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lsr1112

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How can I raise my score 125 points in 1 year

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Raising your score by 125 points within a year may or may not be possible, depending on what is in your credit report now.    If you have no collections or debt, get yourself a secured credit score from a reputable firm and handle it responsibly and you may be able to get an unsecured one in about 6 months.    The increase would depend on what number are you are at now.   If you have debts and/or collections, get them taken care of.  As long as a collection appears on your report, its negative impact will make your goal unobtainable.   If you goal is to secure a mortgage, please keep in mind that they do not only review your current score, they look at every line item on your report.   Unpaid collections will have to be paid in full and you may have to answer for the accounts and reaons it went into collections. 

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