topic Re: How to Raise Your Credit Score in Credit score

topic Re: How to Raise Your Credit Score in Credit score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/1593402#M2596 How Sun, 17 May 2020 18:16:07 GMT Karlayasia2013 2020-05-17T18:16:07Z How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/329#M780 Ever since I have started using a credit card I have basically had the same score the entire time. What are some ways and tips to raise my credit score?  Thu, 22 Mar 2018 06:39:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/329#M780 samlawrence 2018-03-22T06:39:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/524#M781 You might check out his community link:   <A href="https://turbotaxcommunity.com/t5/Credit-Score/How-to-Raise-Your-Credit-Score/m-p/187#M1" target="_self">How to Raise your Credit Score</A> Wed, 28 Mar 2018 00:53:27 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/524#M781 PaulaM 2018-03-28T00:53:27Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/3507#M782 Hi, You are not disclosing enough information to provide a more detailed answer.  So the answers here are generic in nature: Here're my methods, tested. 1. Don't payoff your monthly CC bills each month.  If you want to save in interest but also bring up your Credit Score (CS), then pay off all except $1 each month.  Carry over that $1 each month is a sure way of showing you are a Credit Worthy (CW) person.  Paying off the entire balance each month will show up as no credit history.  You can also carry over more from month to month to let them earn a bit more interest, but there is no relationship between this and raising your CS. 2.  Watch and control the percent of credit you used relative to your Credit Limit (CL).  The whole idea to bring up your score (or not lower your score) is to keep this ratio as low as possible.    If you have good income which increases yearly, consider asking your Credit Card Issuer (CCI) to increase your CL.  This has the effect of lowering your % used credit.  However, having higher CL may also drops your score because the logics is that if you have a higher CL, you may be prone to using it carelessly so the risk of not able to payback or pay back on time is higher.  If you ask for a reasonable increase of say $3,000 and your monthly credit usage is says $2000, this will not likely to hurt your score (may be one time when you get it, but it will comes back up within 1-2 quarters (3-6 months). 3.  Don't open too many CCs.  3-4 cards should be ok. 4.  Don't arbitrarily close any of your CC; especially those that have high CL and also have been held for a long time.   5.  If you have CC with high CL and you don't use it for a while, and have zero balance or negligible balance, call CC and ask them to lower your CC.  This can help bring your CS up. 6.  Try to use your CCs more often, and be sure to pay on time each month at least between the minimum payment and the total balance minus $1. Your CS should go up in 3-6 months if you apply the intents herein.Good luck. Wed, 18 Apr 2018 00:13:49 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/3507#M782 KhongPhuTu 2018-04-18T00:13:49Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/4667#M783 When I went to buy my car, the finance guy there gave me a few tips that really helped my score.  1. I was going to pay a big down payment up front. He pointed out a VERY low interest rate (1%) at the dealership and encouraged me to keep my money liquid, and build up my credit by setting a monthly payment that I could comfortably pay a bit extra on each month. (Even just paying $5-$15.00 extra makes it look like you can easily handle your bills. 2. He told me to put EVERYTHING possible on my CCs and pay it off in full each month (I know- this is a bit different from other advice here to carry over a very small amount). 3. He mentioned the idea of not  opening too many CCs and try to keep them active if possible- and set up autopay so I don't forget to pay them or be late with payments.  4. He recommended doing a credit freeze to protect myself from credit fraud. Its more trouble if you are thinking about opening a new credit card or making a large purchase, (because you have to unfreeze your credit) but it adds a sense of security in this age of credit fraud.  5. He recommended checking your credit often (which I didn't do, but I am going to try to be better about.) 6. I thought about paying off a big chunk of my student loan but when I researched it, someone mentioned that having a long-held loan that you are making regular payments on is very good for your credit, so I decided to keep doing that for now. Payments are pretty low and interest rate could be worse, so it's OK. I would say I did all this for about a year now and my credit score has really gone up. Out of three scores, one was REALLY good. I am in a MUCH better position should I decide to buy a house or condo at this point. Ive also been surprised to find out how many employers are checking credit history as an indicator of employee reliability.  Wed, 04 Jul 2018 04:14:26 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/4667#M783 pancakes 2018-07-04T04:14:26Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5085#M784 <LI-USER uid="7986"></LI-USER>, I loved all of the information you provided and mentioned that you used the information you shared.   It would be great to hear more about your credit card debt story.  What was the factor that made you decide to tackle your credit card debt and focus on raising your credit score?  How much debt did you have and how long did it take you to pay off?  Fri, 27 Jul 2018 22:03:50 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5085#M784 MariP 2018-07-27T22:03:50Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5086#M785 Hi <LI-USER uid="12255"></LI-USER>,   Thanks so much for sharing your experience with raising your credit score.  I'm even more impressed that the finance person was giving you tips.  I've never heard of that before but great that he was willing to give you specific advice that helped.  It would be great if all car finance professionals did the same thing.    I'd love to hear about about your story and the impact of all of the changes you made?  What was your credit score originally when you bought your car?  And how much were you able to raise it after following each of the steps? Congrats on being so diligent with improving your credit score and great to see that there's been some additional benefits, like with future employers, that have been an added plus with raising your credit score.  Fri, 27 Jul 2018 22:14:11 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5086#M785 MariP 2018-07-27T22:14:11Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5098#M786 Hi,  The finance guy who gave me such good advice was at a VW dealership where I had -had huge problems of involving a lack of integrity on their part. I had to file a complaint with the BBB and they were VERY eager to make me happy after that which COULD have played into the extra helpfulness. Also, the guy was young, enthusiastic and had fairly recently graduated from college so he was very idealistic, high energy and seemed to genuinely enjoy educating people.  My credit score prior to that wasn't bad as I recall, it just wasn't good and wasn't moving upward no matter how well I paid my bills on time over the years. That's what made me really listen to him when he shared his advice. I knew there must be tricks that would move the needle up on my credit score and it worked in my case. I recently checked and one score in particular was quite high while the other two seemed very good too. I dont have numbers off the top of my head.  The impact on my life so far hasn't been huge yet. That dealership gave me a 1% loan on my car even with just decent credit which surprised me. The benefit of that loan was its obvious low cost while allowing me to stay more liquid and continue to build better credit via over -payents paid on time.  In the future, I am thinking about buying a house or condo and I suppose thats where the real savings could come into play. I did apply for a mortgage  pre-approval and was given a loan amount that I think is semi-insane , and not quite at the lowest interest rate I was hoping to get, so maybe I have a little more work to do in my credit building.  Also, its nice to know that future employers who may check my credit will not be ruled out.  Sat, 28 Jul 2018 02:57:00 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5098#M786 pancakes 2018-07-28T02:57:00Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5099#M787 <LI-USER uid="12255"></LI-USER>, I'm sorry to hear that you had such a horrible first experience with the dealership but sounds like the second finance person made up for it with the advice that ended up improving your credit score.    Either way, getting a 1% loan for a care is a huge accomplishment. Same thing with getting a mortgage pre-approval.  Even if you don't end up purchasing a house that expensive it's a good feeling to know that your credit score is helping you out.    Do you have any other big financial goals in the near future?  Sat, 28 Jul 2018 05:07:23 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5099#M787 MariP 2018-07-28T05:07:23Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5512#M788 Can you advise me to do how can I Raise me credit score!!!!! Sat, 18 Aug 2018 17:26:48 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5512#M788 Purafine12 2018-08-18T17:26:48Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5876#M790 Give me some tips on how to raise my credit score. Fri, 07 Sep 2018 15:47:57 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5876#M790 Nykidd1007 2018-09-07T15:47:57Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5877#M791 Thank you. Fri, 07 Sep 2018 16:00:19 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5877#M791 Nykidd1007 2018-09-07T16:00:19Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6023#M793 I wanna improve my credit score   Thu, 13 Sep 2018 18:04:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6023#M793 hikaurgessa 2018-09-13T18:04:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6034#M795 why when i pay off loans early they take points Thu, 13 Sep 2018 23:32:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6034#M795 flute 2018-09-13T23:32:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6195#M797 First, Lenders do not, I REPEAT DO NOT focus solely on Credit Scores. That is a Myth. The CONTENT of the Report drives the score, not the other way around. Think of it this way...when you submit your application/resume to an employer, it doesn't list the SCORE of your life experience does it, No. It lists the CONTENT (what I have been exposed to) of your life experience and how you behaved (patterns). Simply, creditors want to see if you have been exposed to Bank Credit Cards (Visa, MC, AmEx), Installment Loans (Mortgage, Car, Personal), Retail Credit Cards (Walmart, Target, Macy's) and how you behave (pay on time, pay late or not at all). Sun, 23 Sep 2018 10:59:22 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6195#M797 lesbontempnola 2018-09-23T10:59:22Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6222#M801 I have been doing this for long time and it seems do take for ever because I have money taken out by one credit card and two IRS -Federal and NYS plus I pay my rent every first of the month and rest are my two major credit -both tax departments so how can I pay them off without increasing my income ? Mon, 24 Sep 2018 13:40:07 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6222#M801 jonst47 2018-09-24T13:40:07Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6406#M802 Im trying to purchase a home within the next year and my score is at a 624. What tips or ideas can i get to raise my score and possibly have a better chance at a home finance. Thu, 04 Oct 2018 23:52:26 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6406#M802 Jcbermea 2018-10-04T23:52:26Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6410#M803 1) Get your CCS and Loans down to zero. 2) Can't get em down to zero get em down to 29% utilization or lower. 3) If you have Collections, pay them off. Mortgage Underwriters WILL go over every penny you owe. Means, the more you owe other people the LESS you have for your mortgage payment. Lastly, forget about the score. The data the bank sees when considering your app you will never see it. Besides, you'll already know what they're looking at because these are accounts you've paid in full. Fri, 05 Oct 2018 04:52:12 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6410#M803 lesbontempnola 2018-10-05T04:52:12Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6448#M804 Hi Sun, 07 Oct 2018 05:32:17 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6448#M804 smian1984 2018-10-07T05:32:17Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6451#M805 You already answered your question in the first line of your question..."have been doing this for long time and it seems do take for ever." Without increasing your income the only way you are gonna pay it off is over time. Creditors want to see your history. Yes, history is subjective and no one absolutely no one can nail down the answer to the question "how long should my credit history be." Sun, 07 Oct 2018 15:22:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6451#M805 lesbontempnola 2018-10-07T15:22:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6453#M806 Way to improve is get a good credit mix: 1) Bank Cards (Visa, MC, AmEx) 2) Retail Cards (Target, JCPenney, Macys) 3) Installment Loans (Car, Mortgage, Personal) Lastly, pay all of the above ON TIME EVERYTIME! One payment 30 days are more late will be put on the "Risk Factors" section your report for 3+ years! I know from experience! Forgot a car payment in Feb 2015 and it's been on my report for 3 yrs 9 mos. Sun, 07 Oct 2018 15:31:17 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6453#M806 lesbontempnola 2018-10-07T15:31:17Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6454#M807 Do you want the points or the money you were paying in interest? Smart man told me, do you wanna pay $12K/yr mortgage, of which $4000 is interest so you can get a tax deduction on the $4000? Why not keep the $12,000 in your pocket from the jump? Sun, 07 Oct 2018 15:36:16 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6454#M807 lesbontempnola 2018-10-07T15:36:16Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6455#M808 Why do you want to raise your score? Sun, 07 Oct 2018 15:42:02 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6455#M808 lesbontempnola 2018-10-07T15:42:02Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6506#M809 1) Get a 1000$ loan from selflender.com 2) Open a small store card (same as cash? example a furniture / mattress store) make sure they report your loan. 3) open a secure/unsecure credit card Setup auto pay - minmum to all of the above. Remember the key is to keep your balance below 10% of your limits, inreference to store credit card, if you were planning to pay cash for the thing get the card anyway then pay online 90% of your bill in one installment. Rest 10% spread out your period. Otherwise the credit score formula looks at the store card as 100% usage of your credit limit. In 3 to 6 months your score will improve dramatically if you don't do anything else. Tue, 09 Oct 2018 14:21:15 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6506#M809 New 2018-10-09T14:21:15Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6827#M810 How to raise my credit score Sat, 20 Oct 2018 02:18:49 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6827#M810 Dental76 2018-10-20T02:18:49Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6943#M811 Bring Bank and Retail Card balances UNDER 29% utilization (Balance divided by Credit Limit), stop applying for new credit. Primary thing is to manage what you have. First question should be why do you want to raise your score? Scores are NOT the only indicator of your credit worthiness. Thu, 25 Oct 2018 23:53:17 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6943#M811 lesbontempnola 2018-10-25T23:53:17Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6993#M812 How to raise my credit score Mon, 29 Oct 2018 05:58:07 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6993#M812 WillieB57 2018-10-29T05:58:07Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7278#M813 Most of that is just not true. 1. You can absolutely pay the full balance, as long as you pay it AFTER your statement closing date. The important thing is to have a balance on your statement, because that’s what goes on your credit report and affects your score. 2. Having a higher credit limit will never lower your score. USING more of your credit is what will lower your score. In general, you want to keep your credit utilization below 30%, but ideally, you want to keep it below 10%. (Credit utilization = 100 times statement balance divided by credit limit.) The interesting thing about this is that it won’t affect your score in the long term; the month after you pay down a large balance, your credit score will go back up. 3. Opening a lot of credit cards is fine, but don’t do it all at once. Ideally, don’t open more than 1 or 2 credit accounts per year. 4. You can arbitrarily close newer accounts. That will actually raise your score. Closing older accounts will lower your score. 5. There’s no reason to ever lower your credit limit. If you have a card you don’t use - use it. In fact, if you don’t use a card for a while, sometimes the issuer will close your account automatically. But having a zero balance does nothing for your score. Even autopaying a utility bill or a magazine subscription on a card and paying off the card every month will help you build credit. If you have a card, use it at least once a month. Thu, 08 Nov 2018 14:21:34 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7278#M813 Wolf 2018-11-08T14:21:34Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7292#M814 I use self lender it helps dramatically you pay yourself and fix credit at the same time also secure credit cards help boost when you keep balance low which is tempting in itself. Im attaching link for self lender <A href="https://www.selflender.com/refer/10781979" target="_blank">https://www.selflender.com/refer/10781979</A> Thu, 08 Nov 2018 23:22:43 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7292#M814 MzBoss317 2018-11-08T23:22:43Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7411#M815 Can you go into more detail on how this works. Sorry I don't understand interest and taxes Wed, 14 Nov 2018 23:15:54 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7411#M815 Tonyay84 2018-11-14T23:15:54Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7495#M816 TonyaY, email me at [email removed].  Mon, 19 Nov 2018 18:26:27 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7495#M816 lesbontempnola 2018-11-19T18:26:27Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7629#M817 Basically Use it and pay it every check don’t go over 30 percent if you do go over 30% . pay the difference quick .You have to use it ..i use mine for gas or minimal groceries I pay it everytime i know im around 30% or more plus i use autopay .. Use it , Autopay it , Also put money into it to leave just below 30% of what you have in there Thu, 22 Nov 2018 16:53:03 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7629#M817 Alexrunner15 2018-11-22T16:53:03Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7692#M818 What kind of score do I need to get a home Sun, 25 Nov 2018 13:58:44 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7692#M818 Pictureu 2018-11-25T13:58:44Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7695#M819 If anyone gives you a number they are lying to you. There is no "Number" you need to get a home. If you NEED a number I will give you one.....ZERO. Get as close to ZERO debt obligations as you can before you apply for the loan. Simply, the banks only concern is that you have less financial obligations going elsewhere than to them. You do that by getting as close to zero bank credit card debt, getting as close to zero personal loan debt, getting as close to zero car loan debt, getting as close to zero retail card debt. Anyone gives you a NUMBER is lying to you. Sun, 25 Nov 2018 14:24:55 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7695#M819 lesbontempnola 2018-11-25T14:24:55Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7744#M820 Nice Tue, 27 Nov 2018 05:50:16 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7744#M820 Diri_98 2018-11-27T05:50:16Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7909#M821 Ensure you pay Credit Card bills before it falls due as electronic payments may take a couple of days to hit the account. Aim to use less than 30% of the approved credit limit. If you have old credit cards but are not using them, don't close the accounts. Sun, 02 Dec 2018 15:20:48 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7909#M821 KChovhan 2018-12-02T15:20:48Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8052#M822 Thank you so much for this info, I'm 42 and to be honest I dont know much when it comes to building credit. Also I will be sharing this with both my sons so they too will know how to build their credit. Mon, 10 Dec 2018 00:06:56 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8052#M822 my2bois 2018-12-10T00:06:56Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8055#M823 Slightly disagree with Kchovan about payments taking a couple days to hit the account. Your payment is CREDITED to your account as of the date you make the payment, however it will take a couple days to POST to your account. Ex. you make a payment on Friday at 155pm. Your payment is EFFECTIVE or transacted Friday. On Monday you will SEE the transaction in the payment history showing Friday's effective date. Totally agree about the 30% assertion. Experian has a free tool that shows your Utilization. Suggest you sign up, and yes sign up and use is free. It's my Financial Bible. Mon, 10 Dec 2018 01:37:31 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8055#M823 alntoy2 2018-12-10T01:37:31Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8091#M824 Just saying you do not need to carry over any balance. Paying interest does absolutely nothing but make you spend more money. Keep your utilization low at least 30% or under. It actually shows your that much more responsible when you never pay any type of fee. You make on time payments and utilization low you'll see a difference. You'll get the same results if you just pay your minimum bal or pay off entirely. I highly recommend not paying interest Tue, 11 Dec 2018 23:24:43 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8091#M824 Steele10772 2018-12-11T23:24:43Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8200#M825 Apply for more credit, pay on time, pay off any bills owed to creditors, and most importantly wait..haha..j/k..no seriously it takes time before it starts to grow. Download creditkarma, it may help you get a better understanding. Sun, 16 Dec 2018 01:52:33 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8200#M825 Scottszat 2018-12-16T01:52:33Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8286#M826 Hello, I had a Discover secure credit card pop in my notifications so i opened it. Im in process of raising my credit currently 583 Fico, 33% DTI, saving to purchase a camper for vacation and wondering what u got that can help raise me to 680-700 😉 Wed, 19 Dec 2018 23:13:32 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8286#M826 tonyagray 2018-12-19T23:13:32Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8354#M827 Everything you read here is a lie. The only thing that appears to work, is use very little of your credit, pay on time and give it time. All of these agencies work with the banks to screw us. The lower your score, the more interest costs. They have no incentive to help us. And when you talk to them, being nice is a waste of time. In addition, store cards are to be avoided. You can hate banks, but they understand security. I just had an incident with nordstroms that defied logic. Just remember, all they know how to do, is say they are sorry. They won't fix it or change anything Robert Cohen Sun, 23 Dec 2018 17:49:55 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8354#M827 Robert-Cohen 2018-12-23T17:49:55Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8773#M828 This makes A LOT of sense and is GREAT advice! Thank you! Tue, 08 Jan 2019 05:55:35 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8773#M828 BNicole603 2019-01-08T05:55:35Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8857#M829 How do I get old paid off creditors removed from my credit report? Wed, 09 Jan 2019 23:52:41 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8857#M829 Jeanne53 2019-01-09T23:52:41Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8858#M830 You can not. They stay on (a) if account open indefinitely, (b) if account closed ten years or more. Thu, 10 Jan 2019 00:11:14 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8858#M830 alntoy2 2019-01-10T00:11:14Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8943#M831 my score went up 45 points in 1 month by paying off my credit card in full to where it was a 0 balance. Sun, 13 Jan 2019 22:18:49 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8943#M831 Krystaniemi 2019-01-13T22:18:49Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8948#M832 Congrats! Now use it as a Tool. Do not go over 29% Utilization. Mon, 14 Jan 2019 01:34:12 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8948#M832 alntoy2 2019-01-14T01:34:12Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9072#M833 Connect your credit card to your bank card, pay off your credit card as often as you use it, only spend money that you have. Be principled and focus on your end game. Wed, 16 Jan 2019 04:20:38 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9072#M833 Fansaba98 2019-01-16T04:20:38Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9414#M834 Take a loan out from your financial institution and make payments Wed, 23 Jan 2019 01:29:51 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9414#M834 Myersdeejay 2019-01-23T01:29:51Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9492#M835 The statement that paying it off every month makes it so that you don't have credit history is a false myth. You have history every time you make a transaction or payment. Paying it off each month is the cheapest, fastest, and best way to build credit. Holding a balance is just adding to your revolving usage which should be as low as possible and it costing you more in interest that you don't have to pay. Thu, 24 Jan 2019 12:39:50 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9492#M835 NoNation 2019-01-24T12:39:50Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9522#M836 I am in greater help for afore my credit score. Thu, 24 Jan 2019 21:37:46 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9522#M836 McDonald 8252 2019-01-24T21:37:46Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10091#M837 Improving your credit can seem complicated if you haven't had the proper training. However, I have had the pleasure of working in finances for the past few years, so let me offer my advice.  #1) Payment history (how long and how well you have paid on your obligations) and your capacity (how much revolving credit you have) make up 2/3 of your score. Payment history is worth 35% and capacity 30%. Keep those in mind when trying to improve your score. #2) Time is your friend! Especially if you have any bad credit history. The older your trade line, the better! Try to avoid getting rid of any long time revolving lines of credit or credit cards.  #3) Contrary to popular belief and the first response, you DO NOT have to carry a balance on your card. Not a single buck. It is far better you never carry a balance and I'll explain why in the next point.  #4) Capacity can help and hurt you. You can greatly improve your credit score by increasing your capacity, but if you abuse it, it will come back to bite you. For every percent of your capacity (or the total balance of your revolving unsecured credit) that you utilize, you lose about 1 point. For example, lets say you have a credit card with a $1,000 balance. It is your only revolving line of credit. If you are currently utilizing $900 of it, that's 90% and you are losing out on 90 points!  So, like I said, focus on two things to improve your score: Payment History and Capacity. They make up two thirds of your score and are very important!  Wed, 30 Jan 2019 00:22:39 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10091#M837 LilaDanae 2019-01-30T00:22:39Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10130#M838 How to get my credit score higher Wed, 30 Jan 2019 08:09:15 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10130#M838 October7 2019-01-30T08:09:15Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10151#M839 Dont buy unneccary things Wed, 30 Jan 2019 15:00:15 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10151#M839 GreeneyedLady 2019-01-30T15:00:15Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10303#M840 I saw all the answers here are very informative and useful. So you definitely will get all the tips.As a new to the united state and never been experienced debit or credit in my life before, i built my score from 300 to 750 within half and an year. I started with 300 capital one card because noneof other credit company believe me because of my less credit history butnow every company offer me starting with 2k to 3k.  ** There is one tip that I wanna give you from my experienceis If you're online person, pay ahead at least 4 days. What I mean is nowadays no one go to bank to pay credit debt , (except a few) So we all pay our debt from our mobile app. But some people forgot thatif you pay electrically it took at least 2 to 4 business days unlike paying at outside. For example, if yourdue date is end of the month 28th on Friday, so you pay them on Friday. So you think , you paid off but actually your bankreport to credit Bureau that you didn't pay. The reason is your money didn't arrive to your bank untilMonday or Tuesday because Sat and Sunday aren't business day. So, the best thing is pay off your minimum due in the middle of the month.  So that way you won't get late payment fees. And if you want to pay off leftover debt, pay them 4 days before your monthly payment due date.   This is how I handle my payment.-My car loan due date is 27th of every month. So I set up auto payment 21st of every month.- I pay my car insurance every 6 months but if I couldn't, i set up auto payment 5 days ahead/-About my credit cards, I had 4 accounts and I checked them 10th of the month and if I have minimum due , i pay them right away. Minimum due is around 25$ to 35$ , so it won't be difficult to pay off.and around 22nd I checked all accounts again and I paid the amount fully or sometimes if I couldn'tI will leave some amounts there. But having debt in the credit isn't a problem as long as you paidoff minimum due and paying some debt before they reported to credit bureau each month. Thu, 31 Jan 2019 14:05:37 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10303#M840 roseson 2019-01-31T14:05:37Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10364#M841 It is best to keep your percentage less than 30%. The lower the greater. I've been having my cars for four months and I'm loving it. I kept it at 30% until I tried going lower. Once I went down to 4%, I was rewarded a whopping 29 points. The key is to keep it under 29% and 30%. Hope this helps. Thu, 31 Jan 2019 19:04:59 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10364#M841 Hakeemtal 2019-01-31T19:04:59Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10592#M842 I have had problems with Identity Theft in the past. How can I increase my CS in spite of the negative activity on my credit report? Fri, 01 Feb 2019 20:25:52 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10592#M842 Chelsea 2019-02-01T20:25:52Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10593#M843 I had my purse stolen and all of my personal information was in there. I also had an apartment that I stayed in that got broken into and the rest of my personal information was taken while I was in the hospital. Fri, 01 Feb 2019 20:30:08 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10593#M843 Chelsea 2019-02-01T20:30:08Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10594#M844 I had my purse stolen and all of my personal information was in that particular purse. I also had an apartment that I stayed in that got broken into and the rest of my personal information was taken while I was in the hospital. Fri, 01 Feb 2019 20:32:26 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10594#M844 Chelsea 2019-02-01T20:32:26Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10618#M845 Hello  as a past Trans Union Analyst for 8 years, I would advise you to mix up your creditors to increase your score overtime. For example if you can apply for a small loan through a company like OPPLOANS. Fingerhut or a local finance company with minimum requirements that report every month to TU and EXPERIAN with minimum criteria  (Job) and not 100% credit driven. Collateral loans are great too but not everyone wants to give up a title to their paidoff car or house. Purchasing a new car is also a good way to boost your score.  Very important fact only utilize 30-50% of your credit card use each month. Just a few tips. Good luck. Sat, 02 Feb 2019 15:12:46 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10618#M845 msyola 2019-02-02T15:12:46Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10636#M846 Keep your balance low and use you older card and distribute balances spread out Sat, 02 Feb 2019 06:47:03 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10636#M846 mdbice01 2019-02-02T06:47:03Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10798#M847 Can you give me some card suggestions to apply for to help me build my credit Sun, 03 Feb 2019 08:41:50 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10798#M847 Anwarr 2019-02-03T08:41:50Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10899#M848 How to raise my credit score Sun, 03 Feb 2019 22:35:40 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10899#M848 Bupshur1 2019-02-03T22:35:40Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10917#M849 Credit Unions such as meritrust offer credit builder loans where you pay for the loan before you get it. So if you get direct deposit that pays part of the loan off you get the full amount back from the "loan" and it raises your credit score that way. Mon, 04 Feb 2019 00:06:35 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10917#M849 RufusEShaverIII 2019-02-04T00:06:35Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11310#M851 Yes how do I do that?! Honestly how do I go about disputing multiple late charges on my account?! Wed, 06 Feb 2019 08:07:44 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11310#M851 ralter22 2019-02-06T08:07:44Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11587#M852 Pay your bills Thu, 07 Feb 2019 23:35:27 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11587#M852 lelinlan 2019-02-07T23:35:27Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11590#M853 My friend can help you. Click the link and watch the video. Thu, 07 Feb 2019 23:37:38 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11590#M853 MERCYMERC 2019-02-07T23:37:38Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11744#M854 I agree with everything you have said except for your first suggestion, unless you are making a distinction between paying off the ENTIRE CC balance less $1 at the time the monthly payment is due versus paying off the STATEMENT balance less $1. It is my understanding that if you do not pay at least the statement balance amount IN FULL, you will be charged interest on the entire statement balance. So underpaying the statement balance by $1 would not be in anyone's best interest (even if it raised your CS slightly) in my opinion. In my experience, I have always just payed the statement balance in full every month, and currently have a credit score of 825. It doesn't really get much better than that! Even in my earlier years I had A LOT of credit cards (your point #4), but I didn't use most of them regularly (your point #6), some had a high CL but a low or no balance (your point #2), and I would go through them occasionally and close all the oldest CCs that I was no longer using (your point #4). But even then, my credit score was in the high 700s. I have never had a problem obtaining credit for financing anything, and I was always offered the best interest rates available. In my opinion, just ALWAYS paying your bills on time and never missing a payment is the best way to ensure a great and long-standing credit history. It has worked for me! And by the way, if you do miss a payment unknowingly once in awhile and end up with a late fee and/or interest charge on your next bill, almost all creditors will allow you grace ONE TIME if you call them and explain the situation (i.e. I never received the bill because it got lost in the mail), and ask to have the charges and fees removed. Fri, 08 Feb 2019 22:10:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11744#M854 kaufam7 2019-02-08T22:10:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11747#M855 I love autopay and use it to pay almost all my bills now, but if you are a person living paycheck to paycheck I would not recommend it unless you also have an overdraft line of credit (ODLOC) linked to your checking account. I did this for many years and it saved me from paying large overdraft fees or having a check bounce because a bill came due before I got paid and there wasn't enough money in my account. An ODLOC linked to your checking account will transfer funds to cover any shortage and allow the bill or bills to be paid without incurring any penalty. Then when you do get paid, just pay off the balance on your ODLOC so you won't incur much in interest charges. If you have a bad month financially you can even wait until the monthly payment is due on the ODLOC and either pay it off in full then or carry some of it over into the next month or two until you can get back on your feet financially. Just make sure to avoid carrying over a balance long term or you run the risk of not being able to pay it off and defeating the purpose for which you obtained the ODLOC in the first place. Fri, 08 Feb 2019 23:03:51 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11747#M855 kaufam7 2019-02-08T23:03:51Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11802#M856 thank you i needed help and you provided it ! Sat, 09 Feb 2019 14:56:41 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11802#M856 heineboyz 2019-02-09T14:56:41Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11803#M857 trying to raise my cs. im 63 and dont have any credit. capitol one approved me so its a start. Sat, 09 Feb 2019 15:01:46 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11803#M857 heineboyz 2019-02-09T15:01:46Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11918#M858 I am working with bedrock legal for this Sun, 10 Feb 2019 05:33:55 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11918#M858 Kimc 2019-02-10T05:33:55Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11923#M859 I would like to raise my credit score up to 6: 40 how do I do that Sun, 10 Feb 2019 07:40:47 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11923#M859 Richard alexander 2019-02-10T07:40:47Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11925#M860 I would like to try to raise my credit score up to 6: 40 how can I do that Sun, 10 Feb 2019 07:42:07 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11925#M860 Richard alexander 2019-02-10T07:42:07Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11928#M861 is one credit card enough to start? Sun, 10 Feb 2019 10:14:54 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11928#M861 heineboyz 2019-02-10T10:14:54Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12018#M862 Hi! Just 2 or 3 years ago, my credit scores were all about 520, if I remember correctly. Now, all of my scores are 700+. Just from my experience, here's what I did. First thing's first, pay your bills. That's obvious. If you can't afford something, don't even consider it. The first thing I did to start increasing my score was I went to Aaron's and got a laptop. You overpay for anything you get like that, but my score went up 30 points once I paid off the computer.Then, I got credit cards. 2 of them. The trick I learned is to NOT USE THEM. lol Or at least use them minimally. What I do is I have one of my small monthly payments set up on both cards. One card is connected to my Netflix bill, and the other is connected to my Six Flags membership bill. Less than $20 on each. I have them both set up on autopay. After that, I just completely ignore them. I don't use them for ANYTHING else. And my credit score has just been going up, up, up. One of them is at 720. The trick to that is you don't want to put a lot on your credit card. That actually lowers your credit. That's all I've done, besides signing up for Collection Shield 360. (Google it, I'm not sure if I can post outside links here.) They help get rid of negative accounts on your credit for free. They got rid of medical bills on my report. Sun, 10 Feb 2019 19:37:16 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12018#M862 Reposiric 2019-02-10T19:37:16Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12126#M863 I want to raise my credit score. I just got my 1st credit card at 34. HELP Mon, 11 Feb 2019 04:50:59 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12126#M863 Kyleegirl22 2019-02-11T04:50:59Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12512#M864 How can I rate credit score Wed, 13 Feb 2019 06:56:40 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12512#M864 bkeldoe56 2019-02-13T06:56:40Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12949#M865 i am not interested in this  at all  Fri, 15 Feb 2019 15:47:36 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12949#M865 sylviaj5757 2019-02-15T15:47:36Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13028#M866 Experian is  rolling out a new thing called Experian Boost that you link a bank account that you have automated bill payments with, and I hear it will help bump your credit exponentially rather quickly.  I saw it on the news.   It's not out yet, but if you go to experian.com/boost you can sign up and get an email notification as soon as the feature becomes available.  I wish this was available back when I was focusing on credit building!  Best luck and wishes.  Its a rigorous uphill battle, but obsessive vigilance will suit you well in your endeavors!  God speed. Fri, 15 Feb 2019 22:26:15 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13028#M866 Tk17 2019-02-15T22:26:15Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13030#M867 Take a small loan, keep your payment on time and or even better ahead of time, this will show you or a good credit risk and will improve your credit score Fri, 15 Feb 2019 22:31:21 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13030#M867 mdbice01 2019-02-15T22:31:21Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13036#M868 ask u can good or fair or bad ? Fri, 15 Feb 2019 22:56:14 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13036#M868 jweeks32 2019-02-15T22:56:14Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13443#M869 Make sure you pay your bills on time, close any extra credit card accounts you have and make sure you get them paid off. Also, making sure you pay any bills you owe to creditors and any monthly payments on loans, on time each month will get it raised as well. Sun, 17 Feb 2019 05:15:25 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13443#M869 WarriorPrincessinMESSIAH 2019-02-17T05:15:25Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14108#M870 ok Tue, 19 Feb 2019 00:18:14 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14108#M870 atiquram 2019-02-19T00:18:14Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14980#M871 Tip #1 by <LI-USER uid="7986"></LI-USER> is wildly incorrect. I am a banker by profession and I will tell you that carrying a balance between statements is ill-advised-- Don't pay interest! However, you should wait to pay the balance in full when the statement is cut. Statement balances are what is reported, not that you carry a balance between statements. Wed, 20 Feb 2019 18:17:43 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14980#M871 AllenOnInsulin 2019-02-20T18:17:43Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15044#M872 Lower your credit cards Wed, 20 Feb 2019 20:50:21 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15044#M872 Rogermcginty 2019-02-20T20:50:21Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15656#M873 If u have a credit card, don't make monthly payment, pay your Bill off every month in full, this will increase your score. Only charge what u can afford to pay off in one month at a time. Finally never use more than 36%of your credit. Fri, 22 Feb 2019 04:04:16 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15656#M873 Breona1 2019-02-22T04:04:16Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15683#M874 Please help me raise my score Fri, 22 Feb 2019 07:01:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15683#M874 Dwayne Sterling 2019-02-22T07:01:10Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16547#M875 Raising your credit isn't just being responsible with one line of credit..although that is great to do. Opening lots of lines or at least 1 or 2 every few years and staying responsible with all of them really raises your score. Note: Don't open to many inquiries within a 2 year period, this may lower your score. Let some fall off before opening more. Let's say for credit cards..you get 5 or 6 over the course of many years and only spending at least one third or less of your limit and paying them off monthly on the due date. That's a good view and managing your money and you are establishing credit. You can also establish credit by taking out loans, such as a car lease or a mortgage. With these larger debts you want to be be sure you are on time or early with all your payments. Paying of any debt is also a great way to raise your score. Establishing credit takes time, hang in there! Mon, 25 Feb 2019 03:10:04 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16547#M875 Rvillal 2019-02-25T03:10:04Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16566#M876 How can I raise my scores Mon, 25 Feb 2019 07:26:18 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16566#M876 hyanteeta 2019-02-25T07:26:18Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16825#M877 I am wondering where this recent college grad that works at a VW dealership is located. Reason being is that it almost sounds like you are describing my son. Tue, 26 Feb 2019 05:59:05 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16825#M877 Brandon212 2019-02-26T05:59:05Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17280#M878 Please tell me how Thu, 28 Feb 2019 00:59:26 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17280#M878 Msann1116 2019-02-28T00:59:26Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17464#M879  After paying on time for at least 6 months to a year, check with your credit card company to see if you may be eligible for a credit limit increase.  Fri, 01 Mar 2019 02:13:21 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17464#M879 DR23 2019-03-01T02:13:21Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17595#M880 I had pre-approved financing when I went into the dealer to buy my truck. They still ran my credit six times. My credit score took a huge hit. Don’t let dealers run your credit. I asked about this, and told them I already had financing, and they still did it. I’ve spent 7 months getting it back up. Just be careful at dealerships!!! Fri, 01 Mar 2019 19:45:56 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17595#M880 Tl1 2019-03-01T19:45:56Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17598#M881 I thought paying in full was a good thing, now I am not so sure. But you are definitely right about the keep the balance low. They bang you right away for that Fri, 01 Mar 2019 20:02:06 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17598#M881 Robert-Cohen 2019-03-01T20:02:06Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17873#M882 You'll need different types of credit to raise your score. I suggest buying something that you need from Fingerhut. They give you a fresh start line if credit and after you pay that off, They'll give you a revolving credit acct. Another tip is to keep your credit card usage below 30%. If you've had the card for more than 6 months, ask the creditor for an increase in credit line. Get another card with no annual fee and cut it up as soon as you get it. Just by having it your score should go up. Also, try to settle or delete any derogatory remarks. I've done all this and my score has gone up more than 140 points in less than a year. Sun, 03 Mar 2019 21:29:10 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17873#M882 mistyqzq 2019-03-03T21:29:10Z How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/17874#M883 You'll need different types of credit to raise your score. I suggest buying something that you need from Fingerhut. They give you a fresh start line if credit and after you pay that off, They'll give you a revolving credit acct. Another tip is to keep your credit card usage below 30%. If you've had the card for more than 6 months, ask the creditor for an increase in credit line. Get another card with no annual fee and cut it up as soon as you get it. Just by having it your score should go up. Also, try to settle or delete any derogatory remarks. I've done all this and my score has gone up more than 140 points in less than a year. Sun, 03 Mar 2019 21:33:53 GMT https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/17874#M883 mistyqzq 2019-03-03T21:33:53Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18062#M884 When I purchased my car in 2016, I financed $16k+ for 5 years at the usual interest rate.  In order to afford having a car, my plan was to pay off the $265/month payments ASAP, which I did in 25 payments.  Later, my rent was increased and I obtained a personal loan from my bank at low interest to pay off all debt.  That payment is $244/month now, but I have 1.5 years remaining.  My CS is 808. Tue, 05 Mar 2019 00:04:56 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18062#M884 vn 2019-03-05T00:04:56Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18071#M885 I agree with the paying off your statement every month. I was told that as long as you wait to pay off until your statement actually drops/ processes, then your payments will count towards being a "credit worthy" person vs if you pay off your debt in the middle of a statement cycle and there is a zero balance that processes from your credit card company. In my eyes, the point is to show that you have debt that you can afford it ie pay it off. I never quite understood where the "carry over a balance" comes from... I also have a few lines of credit lines open, a medical CC, store CC, and a "regular" CC for my day to day expenses. I've heard the same advice you gave... don't have too many open lines but have a few and keep them active. Sometimes closing a line of credit will hurt your score but only because it messes with whatever ratio they look at. My personal opinion would be to close the line if fraud was an issue any maybe reopen another but I'm not sure how that would affect your score ?? I've been following a few of the tips that you listed and I have also have a good credit score! Kudos to us, hopefully others will follow and it'll help them out as well 🙂  Tue, 05 Mar 2019 01:18:29 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18071#M885 mokina89 2019-03-05T01:18:29Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18446#M886 How can l Thu, 07 Mar 2019 00:29:14 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18446#M886 Joe 2019-03-07T00:29:14Z Re: How to Raise Your Credit Score https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18520#M887 Hello, I really like what you had to share about raising CC, but can you go into a bit more detail about the whole minus $1 thing please? Thank you so much Thu, 07 Mar 2019 16:59:50 GMT https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18520#M887 esther_zee 2019-03-07T16:59:50Z

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/1593402#M2596

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<dc:creator>Karlayasia2013</dc:creator>

<dc:date>2020-05-17T18:16:07Z</dc:date>

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<title>How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/329#M780

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Ever since I have started using a credit card I have basically had the same score the entire time. What are some ways and tips to raise my credit score?

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https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/329#M780

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<dc:creator>samlawrence</dc:creator>

<dc:date>2018-03-22T06:39:10Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/524#M781

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You might check out his community link:   <A href="https://turbotaxcommunity.com/t5/Credit-Score/How-to-Raise-Your-Credit-Score/m-p/187#M1" target="_self">How to Raise your Credit Score</A>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/524#M781

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<dc:creator>PaulaM</dc:creator>

<dc:date>2018-03-28T00:53:27Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/3507#M782

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Hi, You are not disclosing enough information to provide a more detailed answer.  So the answers here are generic in nature: Here're my methods, tested. 1. Don't payoff your monthly CC bills each month.  If you want to save in interest but also bring up your Credit Score (CS), then pay off all except $1 each month.  Carry over that $1 each month is a sure way of showing you are a Credit Worthy (CW) person.  Paying off the entire balance each month will show up as no credit history.  You can also carry over more from month to month to let them earn a bit more interest, but there is no relationship between this and raising your CS. 2.  Watch and control the percent of credit you used relative to your Credit Limit (CL).  The whole idea to bring up your score (or not lower your score) is to keep this ratio as low as possible.    If you have good income which increases yearly, consider asking your Credit Card Issuer (CCI) to increase your CL.  This has the effect of lowering your % used credit.  However, having higher CL may also drops your score because the logics is that if you have a higher CL, you may be prone to using it carelessly so the risk of not able to payback or pay back on time is higher.  If you ask for a reasonable increase of say $3,000 and your monthly credit usage is says $2000, this will not likely to hurt your score (may be one time when you get it, but it will comes back up within 1-2 quarters (3-6 months). 3.  Don't open too many CCs.  3-4 cards should be ok. 4.  Don't arbitrarily close any of your CC; especially those that have high CL and also have been held for a long time.   5.  If you have CC with high CL and you don't use it for a while, and have zero balance or negligible balance, call CC and ask them to lower your CC.  This can help bring your CS up. 6.  Try to use your CCs more often, and be sure to pay on time each month at least between the minimum payment and the total balance minus $1. Your CS should go up in 3-6 months if you apply the intents herein.Good luck.

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/3507#M782

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<dc:creator>KhongPhuTu</dc:creator>

<dc:date>2018-04-18T00:13:49Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/4667#M783

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When I went to buy my car, the finance guy there gave me a few tips that really helped my score.  1. I was going to pay a big down payment up front. He pointed out a VERY low interest rate (1%) at the dealership and encouraged me to keep my money liquid, and build up my credit by setting a monthly payment that I could comfortably pay a bit extra on each month. (Even just paying $5-$15.00 extra makes it look like you can easily handle your bills. 2. He told me to put EVERYTHING possible on my CCs and pay it off in full each month (I know- this is a bit different from other advice here to carry over a very small amount). 3. He mentioned the idea of not  opening too many CCs and try to keep them active if possible- and set up autopay so I don't forget to pay them or be late with payments.  4. He recommended doing a credit freeze to protect myself from credit fraud. Its more trouble if you are thinking about opening a new credit card or making a large purchase, (because you have to unfreeze your credit) but it adds a sense of security in this age of credit fraud.  5. He recommended checking your credit often (which I didn't do, but I am going to try to be better about.) 6. I thought about paying off a big chunk of my student loan but when I researched it, someone mentioned that having a long-held loan that you are making regular payments on is very good for your credit, so I decided to keep doing that for now. Payments are pretty low and interest rate could be worse, so it's OK. I would say I did all this for about a year now and my credit score has really gone up. Out of three scores, one was REALLY good. I am in a MUCH better position should I decide to buy a house or condo at this point. Ive also been surprised to find out how many employers are checking credit history as an indicator of employee reliability.

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/4667#M783

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<dc:creator>pancakes</dc:creator>

<dc:date>2018-07-04T04:14:26Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5085#M784

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<LI-USER uid="7986"></LI-USER>, I loved all of the information you provided and mentioned that you used the information you shared.   It would be great to hear more about your credit card debt story.  What was the factor that made you decide to tackle your credit card debt and focus on raising your credit score?  How much debt did you have and how long did it take you to pay off?

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5085#M784

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<dc:creator>MariP</dc:creator>

<dc:date>2018-07-27T22:03:50Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5086#M785

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Hi <LI-USER uid="12255"></LI-USER>,   Thanks so much for sharing your experience with raising your credit score.  I'm even more impressed that the finance person was giving you tips.  I've never heard of that before but great that he was willing to give you specific advice that helped.  It would be great if all car finance professionals did the same thing.    I'd love to hear about about your story and the impact of all of the changes you made?  What was your credit score originally when you bought your car?  And how much were you able to raise it after following each of the steps? Congrats on being so diligent with improving your credit score and great to see that there's been some additional benefits, like with future employers, that have been an added plus with raising your credit score.

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5086#M785

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<dc:creator>MariP</dc:creator>

<dc:date>2018-07-27T22:14:11Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5098#M786

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Hi,  The finance guy who gave me such good advice was at a VW dealership where I had -had huge problems of involving a lack of integrity on their part. I had to file a complaint with the BBB and they were VERY eager to make me happy after that which COULD have played into the extra helpfulness. Also, the guy was young, enthusiastic and had fairly recently graduated from college so he was very idealistic, high energy and seemed to genuinely enjoy educating people.  My credit score prior to that wasn't bad as I recall, it just wasn't good and wasn't moving upward no matter how well I paid my bills on time over the years. That's what made me really listen to him when he shared his advice. I knew there must be tricks that would move the needle up on my credit score and it worked in my case. I recently checked and one score in particular was quite high while the other two seemed very good too. I dont have numbers off the top of my head.  The impact on my life so far hasn't been huge yet. That dealership gave me a 1% loan on my car even with just decent credit which surprised me. The benefit of that loan was its obvious low cost while allowing me to stay more liquid and continue to build better credit via over -payents paid on time.  In the future, I am thinking about buying a house or condo and I suppose thats where the real savings could come into play. I did apply for a mortgage  pre-approval and was given a loan amount that I think is semi-insane , and not quite at the lowest interest rate I was hoping to get, so maybe I have a little more work to do in my credit building.  Also, its nice to know that future employers who may check my credit will not be ruled out.

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5098#M786

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<dc:creator>pancakes</dc:creator>

<dc:date>2018-07-28T02:57:00Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5099#M787

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<LI-USER uid="12255"></LI-USER>, I'm sorry to hear that you had such a horrible first experience with the dealership but sounds like the second finance person made up for it with the advice that ended up improving your credit score.    Either way, getting a 1% loan for a care is a huge accomplishment. Same thing with getting a mortgage pre-approval.  Even if you don't end up purchasing a house that expensive it's a good feeling to know that your credit score is helping you out.    Do you have any other big financial goals in the near future?

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5099#M787

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<dc:creator>MariP</dc:creator>

<dc:date>2018-07-28T05:07:23Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5512#M788

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Can you advise me to do how can I Raise me credit score!!!!!

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5512#M788

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<dc:creator>Purafine12</dc:creator>

<dc:date>2018-08-18T17:26:48Z</dc:date>

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<title>Re: How to Raise Your Credit Score</title>

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https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5876#M790

</link>

<description>Give me some tips on how to raise my credit score.</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5876#M790

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<dc:creator>Nykidd1007</dc:creator>

<dc:date>2018-09-07T15:47:57Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5877#M791

</link>

<description>Thank you.</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/5877#M791

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<dc:creator>Nykidd1007</dc:creator>

<dc:date>2018-09-07T16:00:19Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6023#M793

</link>

I wanna improve my credit score

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6023#M793

</guid>

<dc:creator>hikaurgessa</dc:creator>

<dc:date>2018-09-13T18:04:10Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6034#M795

</link>

<description>why when i pay off loans early they take points</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6034#M795

</guid>

<dc:creator>flute</dc:creator>

<dc:date>2018-09-13T23:32:10Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6195#M797

</link>

First, Lenders do not, I REPEAT DO NOT focus solely on Credit Scores. That is a Myth. The CONTENT of the Report drives the score, not the other way around. Think of it this way...when you submit your application/resume to an employer, it doesn't list the SCORE of your life experience does it, No. It lists the CONTENT (what I have been exposed to) of your life experience and how you behaved (patterns). Simply, creditors want to see if you have been exposed to Bank Credit Cards (Visa, MC, AmEx), Installment Loans (Mortgage, Car, Personal), Retail Credit Cards (Walmart, Target, Macy's) and how you behave (pay on time, pay late or not at all).

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6195#M797

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-09-23T10:59:22Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6222#M801

</link>

I have been doing this for long time and it seems do take for ever because I have money taken out by one credit card and two IRS -Federal and NYS plus I pay my rent every first of the month and rest are my two major credit -both tax departments so how can I pay them off without increasing my income ?

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6222#M801

</guid>

<dc:creator>jonst47</dc:creator>

<dc:date>2018-09-24T13:40:07Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6406#M802

</link>

Im trying to purchase a home within the next year and my score is at a 624. What tips or ideas can i get to raise my score and possibly have a better chance at a home finance.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6406#M802

</guid>

<dc:creator>Jcbermea</dc:creator>

<dc:date>2018-10-04T23:52:26Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6410#M803

</link>

1) Get your CCS and Loans down to zero. 2) Can't get em down to zero get em down to 29% utilization or lower. 3) If you have Collections, pay them off. Mortgage Underwriters WILL go over every penny you owe. Means, the more you owe other people the LESS you have for your mortgage payment. Lastly, forget about the score. The data the bank sees when considering your app you will never see it. Besides, you'll already know what they're looking at because these are accounts you've paid in full.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6410#M803

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-05T04:52:12Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6448#M804

</link>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6448#M804

</guid>

<dc:creator>smian1984</dc:creator>

<dc:date>2018-10-07T05:32:17Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6451#M805

</link>

You already answered your question in the first line of your question..."have been doing this for long time and it seems do take for ever." Without increasing your income the only way you are gonna pay it off is over time. Creditors want to see your history. Yes, history is subjective and no one absolutely no one can nail down the answer to the question "how long should my credit history be."

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6451#M805

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-07T15:22:10Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6453#M806

</link>

Way to improve is get a good credit mix: 1) Bank Cards (Visa, MC, AmEx) 2) Retail Cards (Target, JCPenney, Macys) 3) Installment Loans (Car, Mortgage, Personal) Lastly, pay all of the above ON TIME EVERYTIME! One payment 30 days are more late will be put on the "Risk Factors" section your report for 3+ years! I know from experience! Forgot a car payment in Feb 2015 and it's been on my report for 3 yrs 9 mos.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6453#M806

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-07T15:31:17Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6454#M807

</link>

Do you want the points or the money you were paying in interest? Smart man told me, do you wanna pay $12K/yr mortgage, of which $4000 is interest so you can get a tax deduction on the $4000? Why not keep the $12,000 in your pocket from the jump?

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6454#M807

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-07T15:36:16Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6455#M808

</link>

<description>Why do you want to raise your score?</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6455#M808

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-07T15:42:02Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6506#M809

</link>

1) Get a 1000$ loan from selflender.com 2) Open a small store card (same as cash? example a furniture / mattress store) make sure they report your loan. 3) open a secure/unsecure credit card Setup auto pay - minmum to all of the above. Remember the key is to keep your balance below 10% of your limits, inreference to store credit card, if you were planning to pay cash for the thing get the card anyway then pay online 90% of your bill in one installment. Rest 10% spread out your period. Otherwise the credit score formula looks at the store card as 100% usage of your credit limit. In 3 to 6 months your score will improve dramatically if you don't do anything else.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6506#M809

</guid>

<dc:creator>New</dc:creator>

<dc:date>2018-10-09T14:21:15Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6827#M810

</link>

<description>How to raise my credit score</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6827#M810

</guid>

<dc:creator>Dental76</dc:creator>

<dc:date>2018-10-20T02:18:49Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6943#M811

</link>

Bring Bank and Retail Card balances UNDER 29% utilization (Balance divided by Credit Limit), stop applying for new credit. Primary thing is to manage what you have. First question should be why do you want to raise your score? Scores are NOT the only indicator of your credit worthiness.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6943#M811

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-10-25T23:53:17Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6993#M812

</link>

<description>How to raise my credit score</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/6993#M812

</guid>

<dc:creator>WillieB57</dc:creator>

<dc:date>2018-10-29T05:58:07Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7278#M813

</link>

Most of that is just not true. 1. You can absolutely pay the full balance, as long as you pay it AFTER your statement closing date. The important thing is to have a balance on your statement, because that’s what goes on your credit report and affects your score. 2. Having a higher credit limit will never lower your score. USING more of your credit is what will lower your score. In general, you want to keep your credit utilization below 30%, but ideally, you want to keep it below 10%. (Credit utilization = 100 times statement balance divided by credit limit.) The interesting thing about this is that it won’t affect your score in the long term; the month after you pay down a large balance, your credit score will go back up. 3. Opening a lot of credit cards is fine, but don’t do it all at once. Ideally, don’t open more than 1 or 2 credit accounts per year. 4. You can arbitrarily close newer accounts. That will actually raise your score. Closing older accounts will lower your score. 5. There’s no reason to ever lower your credit limit. If you have a card you don’t use - use it. In fact, if you don’t use a card for a while, sometimes the issuer will close your account automatically. But having a zero balance does nothing for your score. Even autopaying a utility bill or a magazine subscription on a card and paying off the card every month will help you build credit. If you have a card, use it at least once a month.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7278#M813

</guid>

<dc:creator>Wolf</dc:creator>

<dc:date>2018-11-08T14:21:34Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7292#M814

</link>

I use self lender it helps dramatically you pay yourself and fix credit at the same time also secure credit cards help boost when you keep balance low which is tempting in itself. Im attaching link for self lender <A href="https://www.selflender.com/refer/10781979" target="_blank">https://www.selflender.com/refer/10781979</A>

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7292#M814

</guid>

<dc:creator>MzBoss317</dc:creator>

<dc:date>2018-11-08T23:22:43Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7411#M815

</link>

Can you go into more detail on how this works. Sorry I don't understand interest and taxes

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7411#M815

</guid>

<dc:creator>Tonyay84</dc:creator>

<dc:date>2018-11-14T23:15:54Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7495#M816

</link>

<description>TonyaY, email me at [email removed]. </description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7495#M816

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-11-19T18:26:27Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7629#M817

</link>

Basically Use it and pay it every check don’t go over 30 percent if you do go over 30% . pay the difference quick .You have to use it ..i use mine for gas or minimal groceries I pay it everytime i know im around 30% or more plus i use autopay .. Use it , Autopay it , Also put money into it to leave just below 30% of what you have in there

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7629#M817

</guid>

<dc:creator>Alexrunner15</dc:creator>

<dc:date>2018-11-22T16:53:03Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7692#M818

</link>

<description>What kind of score do I need to get a home</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7692#M818

</guid>

<dc:creator>Pictureu</dc:creator>

<dc:date>2018-11-25T13:58:44Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7695#M819

</link>

If anyone gives you a number they are lying to you. There is no "Number" you need to get a home. If you NEED a number I will give you one.....ZERO. Get as close to ZERO debt obligations as you can before you apply for the loan. Simply, the banks only concern is that you have less financial obligations going elsewhere than to them. You do that by getting as close to zero bank credit card debt, getting as close to zero personal loan debt, getting as close to zero car loan debt, getting as close to zero retail card debt. Anyone gives you a NUMBER is lying to you.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7695#M819

</guid>

<dc:creator>lesbontempnola</dc:creator>

<dc:date>2018-11-25T14:24:55Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7744#M820

</link>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7744#M820

</guid>

<dc:creator>Diri_98</dc:creator>

<dc:date>2018-11-27T05:50:16Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7909#M821

</link>

Ensure you pay Credit Card bills before it falls due as electronic payments may take a couple of days to hit the account. Aim to use less than 30% of the approved credit limit. If you have old credit cards but are not using them, don't close the accounts.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/7909#M821

</guid>

<dc:creator>KChovhan</dc:creator>

<dc:date>2018-12-02T15:20:48Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8052#M822

</link>

Thank you so much for this info, I'm 42 and to be honest I dont know much when it comes to building credit. Also I will be sharing this with both my sons so they too will know how to build their credit.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8052#M822

</guid>

<dc:creator>my2bois</dc:creator>

<dc:date>2018-12-10T00:06:56Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8055#M823

</link>

Slightly disagree with Kchovan about payments taking a couple days to hit the account. Your payment is CREDITED to your account as of the date you make the payment, however it will take a couple days to POST to your account. Ex. you make a payment on Friday at 155pm. Your payment is EFFECTIVE or transacted Friday. On Monday you will SEE the transaction in the payment history showing Friday's effective date. Totally agree about the 30% assertion. Experian has a free tool that shows your Utilization. Suggest you sign up, and yes sign up and use is free. It's my Financial Bible.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8055#M823

</guid>

<dc:creator>alntoy2</dc:creator>

<dc:date>2018-12-10T01:37:31Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8091#M824

</link>

Just saying you do not need to carry over any balance. Paying interest does absolutely nothing but make you spend more money. Keep your utilization low at least 30% or under. It actually shows your that much more responsible when you never pay any type of fee. You make on time payments and utilization low you'll see a difference. You'll get the same results if you just pay your minimum bal or pay off entirely. I highly recommend not paying interest

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8091#M824

</guid>

<dc:creator>Steele10772</dc:creator>

<dc:date>2018-12-11T23:24:43Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8200#M825

</link>

Apply for more credit, pay on time, pay off any bills owed to creditors, and most importantly wait..haha..j/k..no seriously it takes time before it starts to grow. Download creditkarma, it may help you get a better understanding.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8200#M825

</guid>

<dc:creator>Scottszat</dc:creator>

<dc:date>2018-12-16T01:52:33Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8286#M826

</link>

Hello, I had a Discover secure credit card pop in my notifications so i opened it. Im in process of raising my credit currently 583 Fico, 33% DTI, saving to purchase a camper for vacation and wondering what u got that can help raise me to 680-700 😉

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8286#M826

</guid>

<dc:creator>tonyagray</dc:creator>

<dc:date>2018-12-19T23:13:32Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8354#M827

</link>

Everything you read here is a lie. The only thing that appears to work, is use very little of your credit, pay on time and give it time. All of these agencies work with the banks to screw us. The lower your score, the more interest costs. They have no incentive to help us. And when you talk to them, being nice is a waste of time. In addition, store cards are to be avoided. You can hate banks, but they understand security. I just had an incident with nordstroms that defied logic. Just remember, all they know how to do, is say they are sorry. They won't fix it or change anything Robert Cohen

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8354#M827

</guid>

<dc:creator>Robert-Cohen</dc:creator>

<dc:date>2018-12-23T17:49:55Z</dc:date>

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<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8773#M828

</link>

This makes A LOT of sense and is GREAT advice! Thank you!

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8773#M828

</guid>

<dc:creator>BNicole603</dc:creator>

<dc:date>2019-01-08T05:55:35Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8857#M829

</link>

How do I get old paid off creditors removed from my credit report?

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8857#M829

</guid>

<dc:creator>Jeanne53</dc:creator>

<dc:date>2019-01-09T23:52:41Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8858#M830

</link>

You can not. They stay on (a) if account open indefinitely, (b) if account closed ten years or more.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8858#M830

</guid>

<dc:creator>alntoy2</dc:creator>

<dc:date>2019-01-10T00:11:14Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8943#M831

</link>

my score went up 45 points in 1 month by paying off my credit card in full to where it was a 0 balance.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8943#M831

</guid>

<dc:creator>Krystaniemi</dc:creator>

<dc:date>2019-01-13T22:18:49Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8948#M832

</link>

Congrats! Now use it as a Tool. Do not go over 29% Utilization.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/8948#M832

</guid>

<dc:creator>alntoy2</dc:creator>

<dc:date>2019-01-14T01:34:12Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9072#M833

</link>

Connect your credit card to your bank card, pay off your credit card as often as you use it, only spend money that you have. Be principled and focus on your end game.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9072#M833

</guid>

<dc:creator>Fansaba98</dc:creator>

<dc:date>2019-01-16T04:20:38Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9414#M834

</link>

Take a loan out from your financial institution and make payments

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9414#M834

</guid>

<dc:creator>Myersdeejay</dc:creator>

<dc:date>2019-01-23T01:29:51Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9492#M835

</link>

The statement that paying it off every month makes it so that you don't have credit history is a false myth. You have history every time you make a transaction or payment. Paying it off each month is the cheapest, fastest, and best way to build credit. Holding a balance is just adding to your revolving usage which should be as low as possible and it costing you more in interest that you don't have to pay.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9492#M835

</guid>

<dc:creator>NoNation</dc:creator>

<dc:date>2019-01-24T12:39:50Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9522#M836

</link>

<description>I am in greater help for afore my credit score.</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/9522#M836

</guid>

<dc:creator>McDonald 8252</dc:creator>

<dc:date>2019-01-24T21:37:46Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10091#M837

</link>

Improving your credit can seem complicated if you haven't had the proper training. However, I have had the pleasure of working in finances for the past few years, so let me offer my advice.  #1) Payment history (how long and how well you have paid on your obligations) and your capacity (how much revolving credit you have) make up 2/3 of your score. Payment history is worth 35% and capacity 30%. Keep those in mind when trying to improve your score. #2) Time is your friend! Especially if you have any bad credit history. The older your trade line, the better! Try to avoid getting rid of any long time revolving lines of credit or credit cards.  #3) Contrary to popular belief and the first response, you DO NOT have to carry a balance on your card. Not a single buck. It is far better you never carry a balance and I'll explain why in the next point.  #4) Capacity can help and hurt you. You can greatly improve your credit score by increasing your capacity, but if you abuse it, it will come back to bite you. For every percent of your capacity (or the total balance of your revolving unsecured credit) that you utilize, you lose about 1 point. For example, lets say you have a credit card with a $1,000 balance. It is your only revolving line of credit. If you are currently utilizing $900 of it, that's 90% and you are losing out on 90 points!  So, like I said, focus on two things to improve your score: Payment History and Capacity. They make up two thirds of your score and are very important!

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10091#M837

</guid>

<dc:creator>LilaDanae</dc:creator>

<dc:date>2019-01-30T00:22:39Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10130#M838

</link>

<description>How to get my credit score higher</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10130#M838

</guid>

<dc:creator>October7</dc:creator>

<dc:date>2019-01-30T08:09:15Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10151#M839

</link>

<description>Dont buy unneccary things</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10151#M839

</guid>

<dc:creator>GreeneyedLady</dc:creator>

<dc:date>2019-01-30T15:00:15Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10303#M840

</link>

I saw all the answers here are very informative and useful. So you definitely will get all the tips.As a new to the united state and never been experienced debit or credit in my life before, i built my score from 300 to 750 within half and an year. I started with 300 capital one card because noneof other credit company believe me because of my less credit history butnow every company offer me starting with 2k to 3k.  ** There is one tip that I wanna give you from my experienceis If you're online person, pay ahead at least 4 days. What I mean is nowadays no one go to bank to pay credit debt , (except a few) So we all pay our debt from our mobile app. But some people forgot thatif you pay electrically it took at least 2 to 4 business days unlike paying at outside. For example, if yourdue date is end of the month 28th on Friday, so you pay them on Friday. So you think , you paid off but actually your bankreport to credit Bureau that you didn't pay. The reason is your money didn't arrive to your bank untilMonday or Tuesday because Sat and Sunday aren't business day. So, the best thing is pay off your minimum due in the middle of the month.  So that way you won't get late payment fees. And if you want to pay off leftover debt, pay them 4 days before your monthly payment due date.   This is how I handle my payment.-My car loan due date is 27th of every month. So I set up auto payment 21st of every month.- I pay my car insurance every 6 months but if I couldn't, i set up auto payment 5 days ahead/-About my credit cards, I had 4 accounts and I checked them 10th of the month and if I have minimum due , i pay them right away. Minimum due is around 25$ to 35$ , so it won't be difficult to pay off.and around 22nd I checked all accounts again and I paid the amount fully or sometimes if I couldn'tI will leave some amounts there. But having debt in the credit isn't a problem as long as you paidoff minimum due and paying some debt before they reported to credit bureau each month.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10303#M840

</guid>

<dc:creator>roseson</dc:creator>

<dc:date>2019-01-31T14:05:37Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10364#M841

</link>

It is best to keep your percentage less than 30%. The lower the greater. I've been having my cars for four months and I'm loving it. I kept it at 30% until I tried going lower. Once I went down to 4%, I was rewarded a whopping 29 points. The key is to keep it under 29% and 30%. Hope this helps.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10364#M841

</guid>

<dc:creator>Hakeemtal</dc:creator>

<dc:date>2019-01-31T19:04:59Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10592#M842

</link>

I have had problems with Identity Theft in the past. How can I increase my CS in spite of the negative activity on my credit report?

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10592#M842

</guid>

<dc:creator>Chelsea</dc:creator>

<dc:date>2019-02-01T20:25:52Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10593#M843

</link>

I had my purse stolen and all of my personal information was in there. I also had an apartment that I stayed in that got broken into and the rest of my personal information was taken while I was in the hospital.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10593#M843

</guid>

<dc:creator>Chelsea</dc:creator>

<dc:date>2019-02-01T20:30:08Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10594#M844

</link>

I had my purse stolen and all of my personal information was in that particular purse. I also had an apartment that I stayed in that got broken into and the rest of my personal information was taken while I was in the hospital.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10594#M844

</guid>

<dc:creator>Chelsea</dc:creator>

<dc:date>2019-02-01T20:32:26Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10618#M845

</link>

Hello  as a past Trans Union Analyst for 8 years, I would advise you to mix up your creditors to increase your score overtime. For example if you can apply for a small loan through a company like OPPLOANS. Fingerhut or a local finance company with minimum requirements that report every month to TU and EXPERIAN with minimum criteria  (Job) and not 100% credit driven. Collateral loans are great too but not everyone wants to give up a title to their paidoff car or house. Purchasing a new car is also a good way to boost your score.  Very important fact only utilize 30-50% of your credit card use each month. Just a few tips. Good luck.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10618#M845

</guid>

<dc:creator>msyola</dc:creator>

<dc:date>2019-02-02T15:12:46Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10636#M846

</link>

Keep your balance low and use you older card and distribute balances spread out

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10636#M846

</guid>

<dc:creator>mdbice01</dc:creator>

<dc:date>2019-02-02T06:47:03Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10798#M847

</link>

Can you give me some card suggestions to apply for to help me build my credit

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10798#M847

</guid>

<dc:creator>Anwarr</dc:creator>

<dc:date>2019-02-03T08:41:50Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10899#M848

</link>

<description>How to raise my credit score</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10899#M848

</guid>

<dc:creator>Bupshur1</dc:creator>

<dc:date>2019-02-03T22:35:40Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10917#M849

</link>

Credit Unions such as meritrust offer credit builder loans where you pay for the loan before you get it. So if you get direct deposit that pays part of the loan off you get the full amount back from the "loan" and it raises your credit score that way.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/10917#M849

</guid>

<dc:creator>RufusEShaverIII</dc:creator>

<dc:date>2019-02-04T00:06:35Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11310#M851

</link>

Yes how do I do that?! Honestly how do I go about disputing multiple late charges on my account?!

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11310#M851

</guid>

<dc:creator>ralter22</dc:creator>

<dc:date>2019-02-06T08:07:44Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11587#M852

</link>

<description>Pay your bills</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11587#M852

</guid>

<dc:creator>lelinlan</dc:creator>

<dc:date>2019-02-07T23:35:27Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11590#M853

</link>

My friend can help you. Click the link and watch the video.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11590#M853

</guid>

<dc:creator>MERCYMERC</dc:creator>

<dc:date>2019-02-07T23:37:38Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11744#M854

</link>

I agree with everything you have said except for your first suggestion, unless you are making a distinction between paying off the ENTIRE CC balance less $1 at the time the monthly payment is due versus paying off the STATEMENT balance less $1. It is my understanding that if you do not pay at least the statement balance amount IN FULL, you will be charged interest on the entire statement balance. So underpaying the statement balance by $1 would not be in anyone's best interest (even if it raised your CS slightly) in my opinion. In my experience, I have always just payed the statement balance in full every month, and currently have a credit score of 825. It doesn't really get much better than that! Even in my earlier years I had A LOT of credit cards (your point #4), but I didn't use most of them regularly (your point #6), some had a high CL but a low or no balance (your point #2), and I would go through them occasionally and close all the oldest CCs that I was no longer using (your point #4). But even then, my credit score was in the high 700s. I have never had a problem obtaining credit for financing anything, and I was always offered the best interest rates available. In my opinion, just ALWAYS paying your bills on time and never missing a payment is the best way to ensure a great and long-standing credit history. It has worked for me! And by the way, if you do miss a payment unknowingly once in awhile and end up with a late fee and/or interest charge on your next bill, almost all creditors will allow you grace ONE TIME if you call them and explain the situation (i.e. I never received the bill because it got lost in the mail), and ask to have the charges and fees removed.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11744#M854

</guid>

<dc:creator>kaufam7</dc:creator>

<dc:date>2019-02-08T22:10:10Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11747#M855

</link>

I love autopay and use it to pay almost all my bills now, but if you are a person living paycheck to paycheck I would not recommend it unless you also have an overdraft line of credit (ODLOC) linked to your checking account. I did this for many years and it saved me from paying large overdraft fees or having a check bounce because a bill came due before I got paid and there wasn't enough money in my account. An ODLOC linked to your checking account will transfer funds to cover any shortage and allow the bill or bills to be paid without incurring any penalty. Then when you do get paid, just pay off the balance on your ODLOC so you won't incur much in interest charges. If you have a bad month financially you can even wait until the monthly payment is due on the ODLOC and either pay it off in full then or carry some of it over into the next month or two until you can get back on your feet financially. Just make sure to avoid carrying over a balance long term or you run the risk of not being able to pay it off and defeating the purpose for which you obtained the ODLOC in the first place.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11747#M855

</guid>

<dc:creator>kaufam7</dc:creator>

<dc:date>2019-02-08T23:03:51Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11802#M856

</link>

thank you i needed help and you provided it !

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11802#M856

</guid>

<dc:creator>heineboyz</dc:creator>

<dc:date>2019-02-09T14:56:41Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11803#M857

</link>

trying to raise my cs. im 63 and dont have any credit. capitol one approved me so its a start.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11803#M857

</guid>

<dc:creator>heineboyz</dc:creator>

<dc:date>2019-02-09T15:01:46Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11918#M858

</link>

<description>I am working with bedrock legal for this</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11918#M858

</guid>

<dc:creator>Kimc</dc:creator>

<dc:date>2019-02-10T05:33:55Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11923#M859

</link>

I would like to raise my credit score up to 6: 40 how do I do that

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11923#M859

</guid>

<dc:creator>Richard alexander</dc:creator>

<dc:date>2019-02-10T07:40:47Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11925#M860

</link>

I would like to try to raise my credit score up to 6: 40 how can I do that

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11925#M860

</guid>

<dc:creator>Richard alexander</dc:creator>

<dc:date>2019-02-10T07:42:07Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11928#M861

</link>

<description>is one credit card enough to start?</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/11928#M861

</guid>

<dc:creator>heineboyz</dc:creator>

<dc:date>2019-02-10T10:14:54Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12018#M862

</link>

Hi! Just 2 or 3 years ago, my credit scores were all about 520, if I remember correctly. Now, all of my scores are 700+. Just from my experience, here's what I did. First thing's first, pay your bills. That's obvious. If you can't afford something, don't even consider it. The first thing I did to start increasing my score was I went to Aaron's and got a laptop. You overpay for anything you get like that, but my score went up 30 points once I paid off the computer.Then, I got credit cards. 2 of them. The trick I learned is to NOT USE THEM. lol Or at least use them minimally. What I do is I have one of my small monthly payments set up on both cards. One card is connected to my Netflix bill, and the other is connected to my Six Flags membership bill. Less than $20 on each. I have them both set up on autopay. After that, I just completely ignore them. I don't use them for ANYTHING else. And my credit score has just been going up, up, up. One of them is at 720. The trick to that is you don't want to put a lot on your credit card. That actually lowers your credit. That's all I've done, besides signing up for Collection Shield 360. (Google it, I'm not sure if I can post outside links here.) They help get rid of negative accounts on your credit for free. They got rid of medical bills on my report.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12018#M862

</guid>

<dc:creator>Reposiric</dc:creator>

<dc:date>2019-02-10T19:37:16Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12126#M863

</link>

I want to raise my credit score. I just got my 1st credit card at 34. HELP

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12126#M863

</guid>

<dc:creator>Kyleegirl22</dc:creator>

<dc:date>2019-02-11T04:50:59Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12512#M864

</link>

<description>How can I rate credit score</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12512#M864

</guid>

<dc:creator>bkeldoe56</dc:creator>

<dc:date>2019-02-13T06:56:40Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12949#M865

</link>

i am not interested in this  at all

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/12949#M865

</guid>

<dc:creator>sylviaj5757</dc:creator>

<dc:date>2019-02-15T15:47:36Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13028#M866

</link>

Experian is  rolling out a new thing called Experian Boost that you link a bank account that you have automated bill payments with, and I hear it will help bump your credit exponentially rather quickly.  I saw it on the news.   It's not out yet, but if you go to experian.com/boost you can sign up and get an email notification as soon as the feature becomes available.  I wish this was available back when I was focusing on credit building!  Best luck and wishes.  Its a rigorous uphill battle, but obsessive vigilance will suit you well in your endeavors!  God speed.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13028#M866

</guid>

<dc:creator>Tk17</dc:creator>

<dc:date>2019-02-15T22:26:15Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13030#M867

</link>

Take a small loan, keep your payment on time and or even better ahead of time, this will show you or a good credit risk and will improve your credit score

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13030#M867

</guid>

<dc:creator>mdbice01</dc:creator>

<dc:date>2019-02-15T22:31:21Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13036#M868

</link>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13036#M868

</guid>

<dc:creator>jweeks32</dc:creator>

<dc:date>2019-02-15T22:56:14Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13443#M869

</link>

Make sure you pay your bills on time, close any extra credit card accounts you have and make sure you get them paid off. Also, making sure you pay any bills you owe to creditors and any monthly payments on loans, on time each month will get it raised as well.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/13443#M869

</guid>

<dc:creator>WarriorPrincessinMESSIAH</dc:creator>

<dc:date>2019-02-17T05:15:25Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14108#M870

</link>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14108#M870

</guid>

<dc:creator>atiquram</dc:creator>

<dc:date>2019-02-19T00:18:14Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14980#M871

</link>

Tip #1 by <LI-USER uid="7986"></LI-USER> is wildly incorrect. I am a banker by profession and I will tell you that carrying a balance between statements is ill-advised-- Don't pay interest! However, you should wait to pay the balance in full when the statement is cut. Statement balances are what is reported, not that you carry a balance between statements.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/14980#M871

</guid>

<dc:creator>AllenOnInsulin</dc:creator>

<dc:date>2019-02-20T18:17:43Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15044#M872

</link>

<description>Lower your credit cards</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15044#M872

</guid>

<dc:creator>Rogermcginty</dc:creator>

<dc:date>2019-02-20T20:50:21Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15656#M873

</link>

If u have a credit card, don't make monthly payment, pay your Bill off every month in full, this will increase your score. Only charge what u can afford to pay off in one month at a time. Finally never use more than 36%of your credit.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15656#M873

</guid>

<dc:creator>Breona1</dc:creator>

<dc:date>2019-02-22T04:04:16Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15683#M874

</link>

<description>Please help me raise my score</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/15683#M874

</guid>

<dc:creator>Dwayne Sterling</dc:creator>

<dc:date>2019-02-22T07:01:10Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16547#M875

</link>

Raising your credit isn't just being responsible with one line of credit..although that is great to do. Opening lots of lines or at least 1 or 2 every few years and staying responsible with all of them really raises your score. Note: Don't open to many inquiries within a 2 year period, this may lower your score. Let some fall off before opening more. Let's say for credit cards..you get 5 or 6 over the course of many years and only spending at least one third or less of your limit and paying them off monthly on the due date. That's a good view and managing your money and you are establishing credit. You can also establish credit by taking out loans, such as a car lease or a mortgage. With these larger debts you want to be be sure you are on time or early with all your payments. Paying of any debt is also a great way to raise your score. Establishing credit takes time, hang in there!

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16547#M875

</guid>

<dc:creator>Rvillal</dc:creator>

<dc:date>2019-02-25T03:10:04Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16566#M876

</link>

<description>How can I raise my scores</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16566#M876

</guid>

<dc:creator>hyanteeta</dc:creator>

<dc:date>2019-02-25T07:26:18Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16825#M877

</link>

I am wondering where this recent college grad that works at a VW dealership is located. Reason being is that it almost sounds like you are describing my son.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/16825#M877

</guid>

<dc:creator>Brandon212</dc:creator>

<dc:date>2019-02-26T05:59:05Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17280#M878

</link>

<description>Please tell me how</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17280#M878

</guid>

<dc:creator>Msann1116</dc:creator>

<dc:date>2019-02-28T00:59:26Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17464#M879

</link>

After paying on time for at least 6 months to a year, check with your credit card company to see if you may be eligible for a credit limit increase.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17464#M879

</guid>

<dc:creator>DR23</dc:creator>

<dc:date>2019-03-01T02:13:21Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17595#M880

</link>

I had pre-approved financing when I went into the dealer to buy my truck. They still ran my credit six times. My credit score took a huge hit. Don’t let dealers run your credit. I asked about this, and told them I already had financing, and they still did it. I’ve spent 7 months getting it back up. Just be careful at dealerships!!!

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17595#M880

</guid>

<dc:creator>Tl1</dc:creator>

<dc:date>2019-03-01T19:45:56Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17598#M881

</link>

I thought paying in full was a good thing, now I am not so sure. But you are definitely right about the keep the balance low. They bang you right away for that

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17598#M881

</guid>

<dc:creator>Robert-Cohen</dc:creator>

<dc:date>2019-03-01T20:02:06Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17873#M882

</link>

You'll need different types of credit to raise your score. I suggest buying something that you need from Fingerhut. They give you a fresh start line if credit and after you pay that off, They'll give you a revolving credit acct. Another tip is to keep your credit card usage below 30%. If you've had the card for more than 6 months, ask the creditor for an increase in credit line. Get another card with no annual fee and cut it up as soon as you get it. Just by having it your score should go up. Also, try to settle or delete any derogatory remarks. I've done all this and my score has gone up more than 140 points in less than a year.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/17873#M882

</guid>

<dc:creator>mistyqzq</dc:creator>

<dc:date>2019-03-03T21:29:10Z</dc:date>

</item>

<item>

<title>How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/17874#M883

</link>

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/how-to-raise-your-credit-score/01/17874#M883

</guid>

<dc:creator>mistyqzq</dc:creator>

<dc:date>2019-03-03T21:33:53Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18062#M884

</link>

When I purchased my car in 2016, I financed $16k+ for 5 years at the usual interest rate.  In order to afford having a car, my plan was to pay off the $265/month payments ASAP, which I did in 25 payments.  Later, my rent was increased and I obtained a personal loan from my bank at low interest to pay off all debt.  That payment is $244/month now, but I have 1.5 years remaining.  My CS is 808.

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18062#M884

</guid>

<dc:creator>vn</dc:creator>

<dc:date>2019-03-05T00:04:56Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18071#M885

</link>

I agree with the paying off your statement every month. I was told that as long as you wait to pay off until your statement actually drops/ processes, then your payments will count towards being a "credit worthy" person vs if you pay off your debt in the middle of a statement cycle and there is a zero balance that processes from your credit card company. In my eyes, the point is to show that you have debt that you can afford it ie pay it off. I never quite understood where the "carry over a balance" comes from... I also have a few lines of credit lines open, a medical CC, store CC, and a "regular" CC for my day to day expenses. I've heard the same advice you gave... don't have too many open lines but have a few and keep them active. Sometimes closing a line of credit will hurt your score but only because it messes with whatever ratio they look at. My personal opinion would be to close the line if fraud was an issue any maybe reopen another but I'm not sure how that would affect your score ?? I've been following a few of the tips that you listed and I have also have a good credit score! Kudos to us, hopefully others will follow and it'll help them out as well 🙂

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18071#M885

</guid>

<dc:creator>mokina89</dc:creator>

<dc:date>2019-03-05T01:18:29Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18446#M886

</link>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18446#M886

</guid>

<dc:creator>Joe</dc:creator>

<dc:date>2019-03-07T00:29:14Z</dc:date>

</item>

<item>

<title>Re: How to Raise Your Credit Score</title>

<link>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18520#M887

</link>

Hello, I really like what you had to share about raising CC, but can you go into a bit more detail about the whole minus $1 thing please? Thank you so much

</description>

<guid>

https://ttlc.intuit.com/community/credit-score/discussion/re-how-to-raise-your-credit-score/01/18520#M887

</guid>

<dc:creator>esther_zee</dc:creator>

<dc:date>2019-03-07T16:59:50Z</dc:date>

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