Comment from tbaby
Time February 17, 2010 at 11:56 am

buy something (small) and pay it off quickly.

Comment from sugerglaze28
Time February 17, 2010 at 12:46 pm

time, time,TIME

Comment from answerlady1021
Time February 17, 2010 at 12:57 pm

Have a higher income (like get a part-time job)… that will reduce your income to debt ratio.

Comment from sarayu
Time February 17, 2010 at 1:38 pm

Planning and budgetting of income and expenses and what you owe to others and if only small amount is left out, that is to be saved for future. Small drops make a ocean is really correct and one should not be in the habit of going on checking every now and then after start saving. Allow a minimum of 5 years and by the time you will get over the habit of getting loans and you yourself will refuse to go in for loans which you cannot repay in short periods.
VR

Comment from Spanky
Time February 17, 2010 at 1:40 pm

Keep credits balances on credit cards under the 50% mark. The higher your balances are the lower your score will be. Also don’t gets cards for the sole purpose of having them. Too many cards and other lines of credit can look bad even if you carry no balances. Excessive inquiries for credit also look bad. Don’t apply for credit unless you absolutely need it.

Comment from Kitty
Time February 17, 2010 at 2:36 pm

Another way you can raise your credit score is to open a credit card with someone who has a much higher score than you. charge something and pay it off immediately and voila it will raise.

Now I myself have not tried this due to I already have a score well into the 800′s but I was told of this, if we wanted our son to start with a high score pretty much at age 18.

Other than that… definitely pay off a loan you have NOW and it will rise… we have also been told that paying your monthly bills early go towards your score. I do not know if I believe this, but I have always paid early anyway not caring about my credit score.

Best wishes for a debt free future ! : )

Comment from bella_4624_19
Time February 17, 2010 at 3:21 pm

besides paying all you bills and paying them on time, the only other thing that will really improve your score is time. having established credit lines will improve your credit score every year.

Comment from gum s
Time February 17, 2010 at 4:09 pm

pay your bills on time….keep buying with cr card and pay bills on time

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Time February 17, 2010 at 5:02 pm

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