What would you suggest..

I had a friend with bad credit, and was with them when they asked their accountant (also his relative) what to do to raise their credit score. They said just to pay their bills on time. The accountant said getting a credit card, or buying something and making payments to show one can (like a new car), is not actually a good idea. So my friend kept paying their bills on time (they did that anyway), and started paying over the minimum on the credit card they already had. It took a year and a half, but his credit score did go up. Not drastically, because I don't know if it could go up drastically so quickly. But it went up.

I have made sure to make all of my payments on time on my existing debt for the last two years, and I am beginning to get offers of credit cards now. Put money on a secured credit card, once you begin working. You can get something from a rental store, and request that they report to a credit report that you are paying your bills. Pay all of your utilities on time,as well. You do not have to go into debt to build your credit, you just have to be disciplined about your current payments. After that you need to see if your bank will give you a signature loan--also known as an unsecured loan. Do not do anything with the money, just pay it back in in about three payments.

Just make sure you pay all your bills on time...and it's recorded so when someone does a credit check they can see that you aren't late and take your debt seriously! And make sure when you close an account you get it in writing. I recently had a question about my credit and found out several charge cards I had in the past...though I had closed the account were still open!

We had gotten a credit card through the bank which was secured. We paid $500.00 into it. It's basically there for those with no credit or a history of bad credit, which is what I had. I don't have that credit card anymore but I am going to get another one when I can afford to get one. Though right now I have a cellphone in my name again and that is another way of course to get better credit. I think even keeping up with your bills and paying on time is supposed to help with your credit score.

I don't think that we have credit rating out here. But if you were delinquent then they would blacklist you so that you could not borrow from a financial institution like a bank. Maybe this is the same thing? I don't know I think what I would do is pay down everything I could on the credit card that you already have regularly and this should improve your score. I also believe that they look to see responsible behaviour like paying in the third of each month or something. Smething to show responsibility. Don't know much do I?

i suggest you open up a savings account or doing something to save up your money. i guess the concept isn't how much you can save up, but the face that you have a plan and taking small and steady steps.

you have to make sure you pay your bills off in a timely manner. that will raise your score.

To raise your credit score, start paying your bills on time, every time. Also, if you can, pay more than the minimum amount due. And stop adding to your debt because the amount of debt you have also impacts your credit score. Good luck!

tHAT'S TOO BAD U HAVE BAD CREDIT. i DON'T KNOW WHAT TO SUGGEST U DO BECAUSE I HAVE NEVER BEEN IN THAT PREDICTAMENT. Good luck in getting it straightened out. I'm sure that is not a good place to be.Hope u have a good weekend.

My first suggestion would be to try to get a secured credit card. If you are a member of a credit union that might be a product that they would offer to you. You wouldn't have to use it all the time, but use it to the extent that you know that you will be able to pay it off every month and that will start to build your credit score back up. In addition to that, try to pay as much down on the credit that you already have to start building up in that way as well. The second part will take a little bit longer, but it will make a much bigger difference in the long run.

when you are able to get a credit card, buy items that you would normally pay cash for. Make sure that the bill is a small amount so by the time the bill comes, you can pay all of it all. The process is long and tedious but eventually your credit will raise in small amounts.