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Sfrazier92

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How can I raise my credit score if no one will give me a chance to?

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You can. It takes a bit of time.

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So your problem is not being able to get a credit card or a loan, right?  You didn't specify, so I'm just going on the usual complaint.

First thing is to get copies of all 3 credit reports and check them quite thoroughly for accuracy.  No, you cannot remove negative accounts unless they are NOT yours.  If there are things on the accounts that are not yours, file a dispute with each of the credit bureaus reporting that error.  The credit bureau then has to investigate and either verify or delete the wrong entry.  Make it a habit to make this check-up every year because it is not unusual for mistakes to happen.

One way to build credit is to start with a secured credit card.  You have to deposit money in the issuer's bank and that will be your credit limit.  Keep your usage at or below 20% of the credit limit and make it a habit topay the account off in full (just the "total amount due" as shown on the statement) every month.  This will show you can be trusted with borrowed money and the card may soon be converted to a regular card with a higher credit limit.  Be advised, however, that the interest rate on these cards is going to be high, so you definitely do not want to carry a balance over from one month to the next, unless you had an emergency, then you want to get the total due paid off as quickly as possible.

Hope this helps.

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