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Question By
paul41

1 Contribution
10 People Helped
credit score would like to increase it
I already have Capital One card

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Top Contributor
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There is not really sufficient information to answer the question on how to increase your credit score.   Start with the Capital one.   How much is your credit line.  Whatever that amount is, ensure you make timely payments monthly and ensure by the time they report to the credit bureau that the amount is never over 10%.  10% is best, although, as long as you keep it under 30% you are still in the positive area.  If you have had the card for 6 months to a year, ask them for a credit increase.  If you have the resources, open a "secured" credit card.  This is one where you pay money up front and what you give them would be your credit line.  Review each company correctly before you make the decision.   Never select one that has a monthly fee.   A yearly fee is normal and some are very reasonable.  Select one who will consider you for a unsecure card after you have used the card for a period.  Many secured company will not convert and most advise this up front.   Credit is determine by the number of accounts that you manage as well as the length of credit.   It doesn't jump in a day, it increases monthly as you properly manage your credit.

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