Would you get a better credit score if you invest in gov't securities like treasury bills/bonds

I want to improve my credit score, instead of having a savings account, would it raise my score if I started buying federal/municipal bonds or other paper? Does it have any effect as showing you as a responsible and secure with money?

Would you get a better credit score if you invest in gov%26#039;t securities like treasury bills/bonds or CD%26#039;s, etc?

Here%26#039;s what affects your credit score. None of it has anything to do with what investments you have.

* 35 percent of the score is based on your payment history. This makes sense since one of the primary reasons a lender wants to see the score is to find out if (and how timely) you pay your bills. The score is affected by how many bills have been paid late, how many were sent out for collection, any bankruptcies, etc. When these things happened also comes into play. The more recent, the worse it will be for your overall score.

* 30 percent of the score is based on outstanding debt. How much do you owe on car or home loans? How many credit cards do you have that are at their credit limits? The more cards you have at their limits, the lower your score will be. The rule of thumb is to keep your card balances at 25% or less of their limits.

* 15 percent of the score is based on the length of time you%26#039;ve had credit. The longer you%26#039;ve had established credit, the better it is for your overall credit score. Why? Because more information about your past payment history gives a more accurate prediction of your future actions.

* 10 percent of the score is based on the number of inquiries on your report. If you%26#039;ve applied for a lot of credit cards or loans, you will have a lot of inquiries on your credit report. These are bad for your score because they indicate that you may be in some kind of financial trouble or may be taking on a lot of debt (even if you haven%26#039;t used the cards or gotten the loans). The more recent these inquiries are, the worse for your credit score. FICO scores only count inquiries from the past year.

* 10 percent of the score is based on the types of credit you currently have. The number of loans and available credit from credit cards you have makes a difference. There is no magic number or combination of types of accounts that you shouldn%26#039;t have. These actually come more into play if there isn%26#039;t as much other information on your credit report on which to base the score.

Would you get a better credit score if you invest in gov%26#039;t securities like treasury bills/bonds or CD%26#039;s, etc?

Not even a little bit.

Credit scores do NOT factor in your income or assets. Not at all.

And for any bank, as long as your money is in a liquid investment, I%26#039;ve never seen it be treated differently from a CD to a bond. Because there%26#039;s no reason to.

But if you invest at a higher yield, like a bond instead of a savings account, your money will grow faster. That will look good to a lender, simply having more money.

But sorry, the quality of your investments has no bearing whatsoever on your credit scores.

Would you get a better credit score if you invest in gov%26#039;t securities like treasury bills/bonds or CD%26#039;s, etc?

I found this article, though, about what WILL help you improve your credit score.

http://improvingyourcreditscore.xoople.c...

hope that helps!