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22andreadytomove

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how can I raise my credit score

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Without specifics we can only give the general rules.

  • First, be sure that it is your credit, and only your credit on your report. Obtain a copy of your actual credit report from one or all three of the main credit bureaus from annualcreditreport.com and scan ot for items that are in error or not your accounts Unfortunately, some parents have been known to obtain credit cards in their childrens names. Dispute anything that is not yours.
  • Pay your bills on time.
  • Reduce your debt to less than 20% of your total credit limits.
  • Do not cancel credit cards.
  • Do not apply for unnecessary credit cards.
  • And using leverage from your good payment history, request credt increases from existing cards, but don't use it.
  • Don't allow companies to cancel cards for non use. Use them occasionally.

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