how do u get your credit score up?

United States
January 14, 2007 7:46pm CST
Yah so when i was way to young to have a credit card i used to charge up everything. and it bit me in the but later on in life. Alot of the cards went into collections. Well i have since payed off all my debt, but now my credit score is really low. How can i boost my credit score? I dont want any more credit cards, but im gonna need a new car soon, and i know they will turn me down because of the past credit history! any advice will help! thanks! :)
2 responses
@mythmoh (3986)
• United States
15 Jan 07
get one card and buy only for limited amount and try to pay the dues on time.then probably that may ensure about your debit repaying ability and hence will build good score.
1 person likes this
• United States
15 Jan 07
This is definitely something I've been working on ALOT the past few years myself. My financial history has definitely kicked my butt. What helped me was getting a free credit report (available once a year for free), and trying to pay off the old debts I still owe, or even writing the places I didnt recognize. There was one on there that wasnt even MINE! The place removed it after about two months of hassling them, and my credit score went up 30 points! I cant get approved for a credit card of ANY kind, so I cant get it back up that way. But clearing these small things up really help alot. Now that I'm married, and my husband has PERFECT credit, its frustrating sometimes to know that my financial mistakes in the past could be what keeps up from getting a house, or a car, etc. I know where I live, there are places that dont do credit checks for purchasing vehicles, though you might have a higher montly payment, or a higher interest rate, but atleast you'll have a car to drive to work when you have to work that overtime to pay those higher fees right?! (just kidding...sorta!) Also keep in mind that when you apply for credit cards, or anything that you are planning on financing and they do a credit check, it can also lower your credit score, even though its just a few points each time, it can add up. Good luck, and hopefully it all works out for ya!!