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How I raised my score nearly 200 points in 2 months!
I had some credit issues in the past - my identity was stolen, and also just being young and irresponsible with credit. I had stopped paying attention to my credit whatsoever for years because it was such a mess. But it's true what they say - time does heal all wounds. Years passed, so I finally decided to check my credit on CK. Most of my financial transgressions had faded away, at this point. On 2/25/15, I had a score of 586 on both TU & EQ (0 active accounts, 1 legal judgment, 1 collection acct). Since then, I have opened a secure credit card for $200 and had myself added as an 'authorized user' on a family member's long-standing credit account (acct active for 4+ years, current on payments, limit of $15k). After making only these two changes, as of 4/20/15, my TU is 738 and EQ is 751. Both the legal judgment and collections account are still open, but they should be removed shortly. I went from 'poor' credit to 'excellent' in less than 60 days, so it can be done. I've read elsewhere that adding yourself as an auth. user doesn't affect your CK scores, but it certainly worked for me. My biggest piece of advice would be to have yourself added as an auth. user on a stable account. It was a game changer for me!

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