How to raise my credit score 8 more points?

i have raised my credit score about 85 points within 45 days.. i need to raise it 8 or maybe 10 more points soon.. tell me how i can do this? I am making another credit card payment today.. and paying my car payment.. should this help??/

How to raise my credit score 8 more points?

Paying off credit cards and loans always helps....But closing the paid off credit card account is a big mistake it actually works against you because it shortens your credit history and makes you look bad even though you feel you did the right thing.

Dont apply for any credit card or new accounts because they also count inquiries against you when setting your credit score.

How to raise my credit score 8 more points?

If you have any overdue bills such as credit card and you can pay it off you will probably increase your credit score. How much I do not know.

How to raise my credit score 8 more points?

Opting out of pre-screend offers will often times boost your score as much as 15 points.

(888) 5-OPTOUT

Also, paying your bills %26quot;on time%26quot; is not as good as people think. YOu have to pay them before the closing date which is usually a week before the due date. Long story short, credit card companies report to the credit bureaus a week before sending you your bill.

The idea behind this is to supress your credit score. If you%26#039;re wondering why they do that, its because a lower score means they can charge a higher interest rate.

How to raise my credit score 8 more points?

The easiest way to find any errors in your credit report. The bureaus have what known as a rapid re-score for people in the middle of a credit decision. This comes at a cost. ~$50

Long term definitely pay on time. The simple quick way to gain a few points is to balance your Open to Buy aka Available Credit aka Utilization on any given card.

Trade lines (credit cards) that are almost max will give you a credit ding. They logic is that people at 90% card utilization are more risky than those at 20. This adjustment is at the card level so if you are high utilization on one card and have 0 on another balance transfer and try to lower the utilization on the higher card. If you are below 40% in general don%26#039;t transfer since this won%26#039;t help.

How to raise my credit score 8 more points?

I think if you get an installament loan and payoff your credit cards your score will go up MORE than 8 or 10 points. The question is, WHERE and HOW you will get a loan with a LOW LOW APR?

the answer is my experience:

go here

http://www.prosper.com/join/HOMEBANKER

they lend people money from people wanting to lend money, they don%26#039;t do HARD INQUIRIES and your fico score is unimportant, they are not a bank but private investors. Get it man I highly suggest that. You eliminate the bank process and lies.