Comments on: How can I improve my credit score without getting a credit card?

By: Jim Q

Jim Q — Wed, 24 Feb 2010 21:41:30 +0000

You can use credit repair agency to fix your credit, for example this one – buildcredit.ifastnet.com

By: Mike A

Mike A — Wed, 24 Feb 2010 21:17:12 +0000

It depends on what your credit report looks like now. If you have collections and late pays, then simple credit repair may be for you. Otherwise, a tradeline program where you are added as an authorized user could increase your score significantly.

By: Ter

Ter — Wed, 24 Feb 2010 20:55:28 +0000

Get a gas card – they’re easier to get approved for and have dinky limits so it would be hard to ‘get in trouble’ with it. Charge your gas and pay the bill in full every month.

I think cards start reporting (the good and the bad) on you in 8-12 months.

By: Outrider

Outrider — Wed, 24 Feb 2010 20:05:27 +0000

Make sure to pay your bills on time. You might buy something overtime and make payments to a store. Take a loan from a bank and repay it. You could get a gas station credit card and use it for 6 months and always pay it on time.
Outrider

By: Judy

Judy — Wed, 24 Feb 2010 20:00:54 +0000

You will have to pay interest on a loan.
Which is silly because you can develop top 800 scores without ever making a loan or paying interest. I would honestly get a credit card and pay it in full each month. It’s like getting an 800 score for free.
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By: bud68

bud68 — Wed, 24 Feb 2010 19:24:54 +0000

You can’t. Building a credit history takes time.