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culkster

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how do i raise my credit score

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Two words: Time, and Regularity. Time, because it takes time for the score to build up and the negative stuff to fall off (A2 years for a hard inquiry, at least 3 years for a missed payment, 10 years for a Chapter 7 bankruptcy, 7 years for everything else), and Regularity, because you have to regularly pay your bills off and do so on-time, without fail.
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A couple of things you can do to help is to get a credit card with a decent limit (at least $2500 if you can, $500-$1,000 if you cannot), and use it for little stuff (gas, small bills, etc) then ensure you pay the balance to $0 every month... just never *ever* let the balance go above 5% of the limit. Another thing you can do is to ensure that all the loans you do have get paid regularly and on-time, period. Any missed or late payments will take at least three years to fall off the credit reports. 

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Other than all of that, there are articles throughout this site that will help you in many other ways... start exploring them. :)

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