First, what do you mean by “work?” What is your credit goal. In addition to scores (which I will address next), there are certain underwriting thresholds – such as dismissed bankruptcies – that could result in denial of credit, regardless of score. If by “work,” you mean make your credit score increase, there’s zero doubt in my mind that your scores would go through the roof. You fit one of the scenarios we’ve written about when we credit scores before and after tradelines.

Creditors make those calculations based on the data included in your credit reports, which are issued primarily by the three major credit reporting companies - TransUnion, Equifax and Experian. By and large, the entire credit score range stands between 350 and 800. The higher your credit score, the easier it is to get loans and credit. The lower your credit score, the harder it is to get approval for loans and credit, and the more you'll pay (in interest) for the credit you do earn from a creditor or lender.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer’s web site where you can review the terms and conditions for your offer.

Check your free credit report carefully - it could help you boost your score. Why? It's common for banks, lenders and credit companies to make a mistake. If you spot any accounts that you don't recognize, dates that don't seem to match up, and especially if you see any mention of late payments or penalties, make certain they have been recorded correctly - and don't be afraid to call the company in question for details. After all, it's better to spend a few minutes on the phone clearing something up than leave a mistake on the report that could adversely affect your credit record. That phone call could wind up boosting your credit score - and it really only takes a few minutes of your time.


Unfortunately, all these outstanding attributes may not be enough if you do not have sufficient credit history. Lenders prefer to give mortgages to buyers who have more than one tradeline and several years of credit history. For home buyers with several tradelines and several years of history you should be able to secure a mortgage without difficulty.
Superior Tradelines, LLC is the best company offering tradelines for sale. There are three main areas to judge tradeline companies. 1) Complaints 2) Reliability and 3) Financials. Regarding complaints, I would not recommend believing everything you read, but you should consider complaints you read online so long as they are believable based on common sense and you use your judgment (companies have used complaint boards to attack their competition). You should note, Superior Tradelines, LLC has never had a legitimate complaint. Superior Tradelines, LLC works with nearly 90 different companies, and wouldn’t have these affiliations if we were unreliable. Lastly, Superior Tradelines, LLC is bonded with a $10,000.00 surety bond, so your money is safer with us than any tradeline company on the internet.What you do NOT want is companies that pre-empt your ability to get a refund. Look at the terms we found on a competitor’s website:

To avoid a late or missing payment each month, enroll in automatic payment with your service provider. Some service providers, such as student loan lenders, provide a financial incentive when you enroll in auto pay. For example, you may be eligible for a 0.25% interest rate deduction with your student loan lender when you enroll in automatic payments. If you have a choice to enroll in auto pay with your bank or directly your service provider, choose your service provider to ensure that your payment arrives on time each month. 

As you begin the process of improving your credit score, keep in mind that it’s a marathon and not a sprint, but improving your score is worth the effort. A poor credit score can potentially cost you tens of thousands of dollars over the course of a lifetime. It can also become a source of serious stress, making you feel like you just can’t leave the mistakes of the past behind and move on.
If you’re on the cusp of decent creditworthiness, take heed: You can improve your lot in as few as three to six months (or even more quickly, if you discover that some of the errors being reported aren’t really your own). If your score suffers deeper scars, credit triage is about a 12-month process, though your actions will begin to positively affect your score in 30 to 60 days.
What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn't up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn't up.
This strategy can have an especially strong impact for a young person with a thin credit file. If, say, a parent adds a child as an authorized user on a credit card account, that account and its history will pop up on the child's credit report as long as the issuer reports it (most do). If the parent has had the account for several years, keeps utilization low and pays the bills on time, the child may see a quick and positive effect on his or her credit score. Card companies typically allow a cardholder to add anyone—not just a family member—as an authorized user.
I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast.  

By law, the 2 major credit bureaus (Equifax and TransUnion) are required to each provide you with one copy of your credit report per year (upon request). Companies like Borrowell (Canada) or Credit Sesame (U.S.) also provide it for free on a monthly basis along with your credit score. Checking your own credit score (and report) does not impact it as it is deemed a “soft inquiry.” 

If your debt feels overwhelming, it may be valuable to seek out the services of a reputable credit counseling service. Many are non-profit and charge small or no fees for their services. You can review more information on selecting the right reputable credit counselor for you from the National Foundation for Credit Counseling. Credit counselors can help you develop a Debt Management Plan (or DMP) and can negotiate to reduce your monthly payments. In many cases, you'll be responsible for only one monthly payment to the credit counseling service, which will then disburse funds to all of the accounts you owe on.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
Making multiple payments throughout the month works on a credit factor called credit utilization, which has a powerful effect on scores. If you’re able to keep your utilization low instead of letting it build toward a payment due date, it should benefit your score right away. (You can track your credit utilization on each card and overall by viewing your credit profile with NerdWallet.)
You grant CRA permission to collect fees as they become due unless you terminate this Agreement within 5 days. You may be charged a $25 fee if your payment to CRA for the services it has rendered to you is not honored. Additionally, you grant CRA permission to collect any past due fees after termination of the Agreement. You agree to pay CRA for all services performed consistent with this Agreement upon receipt of our invoice(s). All payments are due upon receipt of invoice following each deletion. All payments shall be made by debit card, credit card or other means agreeable to CRA consistent with the terms of this Agreement. In the event of late payment of default, you authorize CRA to use all lawful collection methods, including calling through the use of an automated dialer system and sending account to third party collections. You are responsible for attorney’s fees and costs incurred by CRA in all collections activities.
Length of credit history (15%): The length of your credit history can work in your favor, especially if you've paid your bills consistently over time. This is the one category where older consumers have an advantage over their younger counterparts, as someone with 10 years of timely payments might be a more ideal loan candidate than someone with only one year of accounts under his or her belt.
Fix any mistakes on your credit report – Perhaps the fastest way to increase your credit score is to identify any errors on your credit report and have them rectified. You’re entitled to pull your credit report (for free) from credit bureaus like Equifax or TransUnion and go through it to see if there are any mistakes that could be pulling your score down. If there are, fixing them can give you an immediate boost to your score.
You likely have dozens, if not hundreds, of credit scores. That's because a credit score is calculated by applying a mathematical algorithm to the information in one of your three credit reports, and there is no one uniform algorithm employed by all lenders or other financial companies to compute the scores. (Some credit scoring models are very common, like the FICO® Score* , which ranges from 300 to 850.)

Help…….Had a Bk7 that’s 4 years old (kidney transplant) and 9 items that have reported late (2016) in the past. All have been current for the last several months though I’m needing to boost my scores (currently 600 across the board ) in the up coming months for mortgage processing. My oldest trade line on my credit is showing 16 years, how is this process completed moving forward?
Thanks for the helpful information. Being a loan officer, would you please be able to help guide me in the right direction of obtaining a home equity loan or refi on my paid mortgage? My home has been paid off for years now, and I would like to rent it to elderly HUD housing in my community. I need to make some modifications to be able to comply with HUD standards plus some other repairs. However, my credit file is very thin, and I was hoping to be able to use the home as colateral. Is this possible? Any feedback would be a blessing. Thanks so much for your time.

After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.

My wife and I recently decided we wanted to buy a home better suited to starting a family and sell our townhouse (which she owned when we met). I didn't have the best, let's say, track record with financials in my past and my credit was abysmal. I hit rock bottom 2.5 years ago when my car ( a beautiful fully loaded Jeep) was reposed on Xmas eve morning. Even then, although angry and ashamed, I didn't do much to help myself out. My 20's, which were years of partying, spending and generally speaking not caring had finally caught up. I was 29. So, we got to work with fixing things. Paying off creditors, paying down debts, making on time payments, etc. When we had my credit run about 6 weeks ago, it was 588. This was much higher than the 410 I had a couple years ago, but still a far cry from good. (Side note here, be mindful of using credit cards that track your fico score, or having a credit bureau account that gives you your score. There are around 30 different scores that are used, and different scores are used for different types of inquires (auto loan is different than mortgage)). So we got to work, paid off the last couple things and really started paying attention to what was happening. One thing I can't stress enough is every year, you're allowed to get 3 free credit reports, 1 from each bureau. You MUST do this each year. This is where I found my credit windfall. I was able to uncover the fact that a debt that had been paid of was still being reported as open and late. I also found a debt that wasn't mine! A big one. $1700 showing open and late for 2 years with a collector. I filled a report with the CFPB (Consumer Financial Protection Bureau) and they started an investigation. The company that had this debt wrote me a letter saying that even though I had no proof that the debt wasn't mine, they would absolve it and would contact the 3 credit bureaus to have the reporting removed and cleared. At this point, I called my broker and said it's time to run the simulator. They ran it, and then performed what is called a Rapid Rescore. Some brokers charge for this; good ones don't. Since they are trying to get your business they will do it for free. If it's at cost, it's roughly $10 per item per report. If you have a lot of issues it can add up. Anyhow, they did the rescore, did the simulator, ran a hard inquiry and BOOM, 657.
Disclaimer: Rebuildcreditscores.com strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Any and all loan information is presented without warranty. If approved, your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. All loans are subject to credit review and approval.
As the particular issues involved in each individual case vary from case to case, we cannot guarantee a specific outcome or accurately predict how long it will take. As such, the dispute process may take more or less than twelve months. On average, clients remain active for 6 to 8 months, although for each individual case, this average can be reduced or extended based upon the promptness of the client to forward necessary information and upon the number and Circumstances of the issues being disputed on the individual's credit report. However, most state laws only allow a 6 month contract, in other states this contract will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
The best way to handle these types of information lines on your credit report is to dispute them but you have to remember that if that isn't done correctly, it is like kicking a hornets nest. Just calling them and saying, "hey, I dispute this." is NOT good enough, regardless of what ANYONE says. It has to be done with a certified, return receipt letter that has been properly worded to prevent the sleezy little buggers from using a loophole. You can find a lot of information out there about how to do this on sites from people like Dave Ramsey or with self help books like Weathering Debt (either one works, but I prefer Weathering Debt, it was much more concise and to the point) but whatever you do, DON'T try to wing it and don't pay someone to do something you can do yourself with ease and for free. Besides, you need to know how to stop the problem from happening again, right?
My wife and I recently decided we wanted to buy a home better suited to starting a family and sell our townhouse (which she owned when we met). I didn't have the best, let's say, track record with financials in my past and my credit was abysmal. I hit rock bottom 2.5 years ago when my car ( a beautiful fully loaded Jeep) was reposed on Xmas eve morning. Even then, although angry and ashamed, I didn't do much to help myself out. My 20's, which were years of partying, spending and generally speaking not caring had finally caught up. I was 29. So, we got to work with fixing things. Paying off creditors, paying down debts, making on time payments, etc. When we had my credit run about 6 weeks ago, it was 588. This was much higher than the 410 I had a couple years ago, but still a far cry from good. (Side note here, be mindful of using credit cards that track your fico score, or having a credit bureau account that gives you your score. There are around 30 different scores that are used, and different scores are used for different types of inquires (auto loan is different than mortgage)). So we got to work, paid off the last couple things and really started paying attention to what was happening. One thing I can't stress enough is every year, you're allowed to get 3 free credit reports, 1 from each bureau. You MUST do this each year. This is where I found my credit windfall. I was able to uncover the fact that a debt that had been paid of was still being reported as open and late. I also found a debt that wasn't mine! A big one. $1700 showing open and late for 2 years with a collector. I filled a report with the CFPB (Consumer Financial Protection Bureau) and they started an investigation. The company that had this debt wrote me a letter saying that even though I had no proof that the debt wasn't mine, they would absolve it and would contact the 3 credit bureaus to have the reporting removed and cleared. At this point, I called my broker and said it's time to run the simulator. They ran it, and then performed what is called a Rapid Rescore. Some brokers charge for this; good ones don't. Since they are trying to get your business they will do it for free. If it's at cost, it's roughly $10 per item per report. If you have a lot of issues it can add up. Anyhow, they did the rescore, did the simulator, ran a hard inquiry and BOOM, 657. 

Pay off debt rather than moving it around: the most effective way to improve your credit scores in this area is by paying down your revolving (credit card) debt. In fact, owing the same amount but having fewer open accounts may lower your scores. Come up with a payment plan that puts most of your payment budget towards the highest interest cards first, while maintaining minimum payments on your other accounts.
hi I read over the mock agreement and it seems to detailed as if you guys will be privy to all my personal information I am not allowed to have alerts or security features on my credit or the services will be deemed complete so this leaves me wondering why do you need all my personal info in such detail if I’m only purchasing tradelines? excuse me but this sounds very suspect…..
Improving your credit score can take time but the sooner you address the factors affecting your credit, the faster your score will increase. You can increase your scores by taking the necessary steps, like paying bills on time, keeping your credit utilization ratio low, and paying down debt. It can also be a good idea to keep unused credit cards open and only apply for new credit accounts when necessary. Finally, you might want to make sure your credit reports don’t contain any inaccuracies that can potentially hurt your scores.
I accomplished this in two ways: First, I was paying more than the minimum amount due on my credit cards (which I do anyway, but I put forward a little extra than usual, approximately $25 more than required). Next, I simultaneously increased my available credit by half on one of my credit card accounts by accepting a credit line increase offer on my account. I would definitely suggest everyone accept their pending credit line increase offer, if available — just be smart enough not to use it!

First, credit reports and scores are two different things. Your credit report is basically a credit history listing things like accounts closed and opened, your payment history and amounts you’ve owed and still owe. It shows data that may have been used to determineincludes your credit limits and can be used by lenders to help them determine how responsible you were within those parameters.


Obviously, your credit report and credit scores change every single day, as new data appears, and items fall off. The BoostMyScore clients who see a boost to their credit scores from our tradelines typically do not have any new negative information appear in their credit reports at the same time as our tradelines. For this reason, please understand that results may vary, and a boosted credit score cannot be guaranteed.
It’s easy to check your credit reports from each of the three major credit reporting agencies. You’re entitled to a free copy, once a year, of all three of your credit reports under the Fair Credit Reporting Act. These free credit reports can be accessed via AnnualCreditReport.com, the government-mandated site run by the major bureaus. (You can also view a free credit report snapshot on Credit.com.)
You can also open a totally new credit card to divert some spending as well. Again, remember the credit inquiry — and be sure your card can handle it. In most cases, the small hit should be more than mitigated by the newly available credit, but if you’ve been applying for a lot of credit lately or you risk being rejected for the new credit line, you’ll want to tread carefully.
This story is long winded and all, but the point is, it doesn't matter how bad you have screwed up. It happens to the best of people (I'm an alright kind of guy). But the only way to fix it is to put your foot down, get dirty and fix it. It won’t always be as quick as this and will most likely take a year or more to get in a good place. Then years of maintenance. But if you need a quick hit to your score in a good way, read through your reports carefully (with a credit advisor if you need to. Many personal banks will do this with your for free if you have accounts there in good standing) If it looks like there's something off or something you can fix, call your broker, go over the report with them and STRONGLY insist on a rapid rescore. They will get all your info and see what they can do.
Removing negative data takes far longer than putting on positive data. Since the credit reports have a month to respond at the quickest, the fastest you can expect is to improve credit score in 30 days. And even then, just removing negative data might not move your score significantly, as without things helping to push your score up, the negatives dropping off may not affect your score, if at all, though you’ll be in a great position for large jumps at that point adding tradelines as this one of the best ways to improve credit scores fast.

If you're close to maxing out your cards, removing the debt should increase your score after the low or zero balances show up on your credit reports—likely in the following month or so. Don't have enough cash lying around to make a big payment? Another strategy is to transfer the debt to an installment loan—say, a personal loan—or a home-equity line of credit. Such debts don't factor into utilization ratios. Plus, the presence of the loan or HELOC on your credit report could improve your mix of credit, which accounts for 10% of a FICO score.
By law, the 2 major credit bureaus (Equifax and TransUnion) are required to each provide you with one copy of your credit report per year (upon request). Companies like Borrowell (Canada) or Credit Sesame (U.S.) also provide it for free on a monthly basis along with your credit score. Checking your own credit score (and report) does not impact it as it is deemed a “soft inquiry.” 
Hello Your response was very informative.  I have poor credit is well and want to get into my first home. I want to pay off on my creditors I was with a credit company that helps build your credit and I was paying 80 dollars a month. Not sure if you know but I wanted to ask is there away that I can just pay the creditors directly and just pay it.  It would be from three years ago
Improve the looks of your limits: Are lenders reporting accurate credit limits? If not, ask them to. You can also improve your credit ratio by asking your banks to up your credit limits — with this caveat: Don’t do it if you think access to more money will go to your head and drive you to the mall. If you do ask for more rope, er, spending power, make sure the request won’t require your credit to be re-pulled; that can trigger a “hard inquiry,” which can bring about a potential score reduction of five points or more if enough are made within a 12-month period. Also, do not try to build creditworthiness by opening a home equity line of credit. A “secured revolving account” has little impact on your overall score.
Primary. No, you cannot buy primary tradelines. The only reason you can buy authorized user tradelines is that there is a law which says lenders shall consider them. As discussed above, this is how the practice of piggybacking credit was commercialized. There is no similar law for primary tradelines; you cannot pay to be added to a primary account and backdate history like you can with seasoned authorized user tradelines.

As the particular issues involved in each individual case vary from case to case, we cannot guarantee a specific outcome or accurately predict how long it will take. As such, the dispute process may take more or less than twelve months. On average, clients remain active for 6 to 8 months, although for each individual case, this average can be reduced or extended based upon the promptness of the client to forward necessary information and upon the number and Circumstances of the issues being disputed on the individual's credit report. However, most state laws only allow a 6 month contract, in other states this contract will automatically renew without a written notice from client canceling automatic renewal prior to the date of the original 6 month term expiration.
I/We understand I will be required to maintain and provide access through an approved 3 bureau monitoring service (which includes new reports every 30 days). This is our blue print and essential for fixing my credit reports as quick and efficient as possible. (Credit Rx America does NOT accept Credit Karma as they have you waive various rights. They also do NOT provide 3 bureau credit reports, which we MUST have.)
One late payment can take as much as 100 points off a good credit score and 30 points off a fair to poor credit score. Late payments have the biggest negative effect on credit scores. One way to make sure bills are paid on time is to set up automatic bill payment. Be sure to get current if you have late payments. Timely payments over several months will get your credit scores back on track.

Fee of $99.00 per (Standard) item updated or deleted from each credit (bureau) file (or $89.00 if you sign up with your spouse and work on both of your credit files at the same time). Standard items include (Inaccurate, untimely, unverifiable): Collections, Charge-offs, Repossessions, Medical Bills, Late Pays, Foreclosures, Bankruptcies, and Judgments. Fee(s) are earned as each delete occurs.


Recently one of our customers who was indecisive about purchasing tradelines from us. After several weeks the person finally took a leap of faith and purchased two of our tradelines. He was shocked that we were legitimate and that his score increased by over 100 points. That was not a typo, he was able to increase (boost) his score by over 100 points by only purchasing two tradelines. This is exactly how powerful tradelines can be.
You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.
But don't ignore a collection just because it's a small amount or listed as paid off. Such negative marks are actually quite serious and can significantly hinder your score. However, there's no need to jump up and down in a screaming fit of indignation if the credit reporting agencies listed the wrong employer for you or misspelled your middle name. Unfortunately, the scoring formula doesn't even consider those things.
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We have credit tradelines for sale that have perfect payment histories. Our authorized user accounts help Raise Credit Scores Fast, faster than credit repair. We can provide you with an updated tradeline. When you’re ready to increase your scores fast, we can add you to our accounts as an authorized user. Our Seasoned trade lines are guaranteed to post on your credit files in as fast as 10 days. These accounts have been used to achieve Excellent Credit Scores, High Limit Cards, Refinancing, Auto Loans & More. More on what is a tradeline
Lisa has been working as a freelance writer for more than a decade, creating unique content that helps to educate Canadian consumers. She specializes in personal finance, mortgages, and real estate. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. She enjoys sharing her knowledge and experience in real estate and personal finance with others. In her spare time, Lisa enjoys trying funky new recipes, spendin...
Today, the tradeline industry is growing at a rapid rate. This is a good and bad thing. It’s good because the benefit of tradelines for sale can reach more consumers as they become more aware of the options available to them. It’s bad because shotty “businesses” are popping up left and right trying to clone that which has been established by legitimate companies. As a result, the quality of service has been compromised.
But many people think there is. You are legally entitled to a free annual credit report from each of the 3 credit bureaus, which is the starting point of any credit repair process . But none of them come with a score. That said, when you get your annual credit report from one of the bureaus, the bureau may show you a separate offer for your credit score. That score offer may be free or carry a fee. It’s up to the bureau, but just know they’re not required to offer you a free score.

If you find an account that you don't recognize, it could be the result of an identity thief using your name to get credit, or a lender may be reporting the account in error. If a fraudster is at work, you can take steps to block the fraudulent information from your credit reports. If the negative account is the result of an error, contact the lender or whoever furnished the information in question, and file a dispute with each credit agency whose report lists the account.
Trade lines may contain a variety of different data points related to the creditor, the lender, and the type of credit that is being provided. The trade line often contains the name of the creditor or lender, the account or another identifier for the type of credit being provided, the parties responsible for paying the loan, and the payment status of the account.
Concentrate on performance factors: Payment punctuality and credit use levels account for 65% of the scoring equation. That’s why, even if you change nothing else, being an on-time, low-spending Goody Two-shoes for a while will do wonders for your reputation. The blow to your score for any 30- or 60-day late payments in the past year will begin to diminish after you mail the cheque and rectify your wrong. Recovering from a 90-day late payment (a ding that can be as damaging to your score as bankruptcy) will take longer. But it will fade to black eventually, particularly if your more recent payment habits are pristine.
How to improve credit score fast: that’s the question you want answered. First off, it’s good to understand what credit is. Credit is like a cocktail, or a dish, that contains many different ingredients: i.e. utilization, age, payment history, inquiries, number of accounts, etc. Having even one of these categories in poor standing will drop your score drastically. If you are in a position of poor credit, adding tradelines (putting positive data on your reports) is the easiest way by far to increase scores which is one of the great tricks to improve credit score.
11. Pay your bills twice a month. Using too much of your credit limit at any given moment doesn’t look good. Suppose your limit is $3,000 and a month’s worth of havoc (car repair, doctor bills, plane ticket for kid to get to college) means you’ve charged up $2,900. Sure, you plan to pay in full by the 18th of the month – but until then it looks like you’re maxing out yet another card.

Pay off your debt instead of repeatedly transferring it to new accounts. Contact the debt collector listed on your credit report to see if they’d be willing to stop reporting the debt to each major credit bureau (Equifax, Experian, and TransUnion) in exchange for full payment. This technically violates some of the collectors’ agreements with the credit bureaus, so it may be a non-starter, but it never hurts to try.
Either way, you should always remove any errors or outdated information from your credit report — regardless of the actual effect on your score — as soon as you discover them. A clean credit report can give you peace of mind the next time you apply for a loan; you’ll know that an inaccurate credit score isn’t holding you back from qualifying for a better interest rate, saving you time and money in the long run.
Fix any mistakes on your credit report – Perhaps the fastest way to increase your credit score is to identify any errors on your credit report and have them rectified. You’re entitled to pull your credit report (for free) from credit bureaus like Equifax or TransUnion and go through it to see if there are any mistakes that could be pulling your score down. If there are, fixing them can give you an immediate boost to your score.
What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn't up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn't up.
Can you give me advice? I would like to buy a house the beginning of 2019. I got my chp 7 bk discharged in 2016. I only have a credit card and my car loan both have not had any late payment on. How do I boost my credit? Right now I am currently at 479, and I know I need to have at least 580 to qualify for some home loans. What can I do to achieve my goal of boosting my credit score?
To begin improving your credit score, you should aim to keep your credit card balances on the lower end along with any other type of revolving credit you may have. You should also begin the task of paying down your debt rather than moving it around, and you shouldn’t close any unused credit cards because you are looking for a “quick fix” strategy to improve your credit scores.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
•    I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!
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