Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
CCGIRLS

0 Contributions
0 People Helped
How do I raise my credit score 150 points?
I am rebuilding my credit from a bankruptcy three years ago. I have one unsecured loan that I pay on time. I have one credit care with 70 % balance.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
91 Contributions
79 People Helped

Pay it of consistently.

Your utilization ratio is pretty high, and that's what is affecting the score. The only way to raise the score by 100+ points is to pay the debt. I know you are working towards it, but it just takes time. As your payment history grows and thereby your debt decreases, the score will go up. However, the bankruptcy will haunt your score for a long time (sorry).

Meanwhile, just make sure you don't do something that will hurt the score, otherwise, any positive effect will be nullified.

Don't:

1. Miss a payment.  2. Apply for a new credit (add an enquiry). and 3. Increase your debt by any means.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.