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Question By
sholtz

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71 People Helped
I need to raise my credit score by 100 points.
When I was refinancing my home a few years ago, I was instructed not to close out credit card accounts because it would drop my score; well, two cards I don't use, one for a furniture store and one for a child's clothing store that is not even in my state anymore closed my accounts and my score dropped 60 points. I had a number of credit cards and could not pay the balances so instead of filing bankruptcy, I went to a credit consultant agency, negotiated the debt and paid off thousands also, I was just approved for a card with a $500 balance. I thought this would help my score. In addition, my son's educational loan I took out for him for $1,600 has been paid off. What do I have to do to raise my score 100 points?

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