How can i fix my credit , whats the best way to bring my score up ? ?

Well that would all depend on how "bad" your credit is. If you have judgments against you, or accounts that have been charged off, only time will heal these (7 1/2 yrs to be exact, excluding judgments which list for 7 1/2 yrs or longer depending upon your states SOL on judgments.

If you only have a few late payments then the best to do is the following:

Keep your balances under 30% of the credit limit (example: credit limit is $500, never owe more then $150.)

Pay more then the minimum. This helps to pay them off sooner.

NEVER EVER pay late or go over your limit (this is a real score dropper.)

Do not apply for any more credit as this causes your report to get what is called a "hard hit" inquiry and does lower your score.

Here is a link to find out more about credit and how to improve it.
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm

Hope this answers your question

Have one credit card, pay it in full each month.
Pay bills the second you get them in full.
Carrying a balance does NOTHING to increase your score. Just makes you poor.

There are no quick fixes. Just demonstrate a long-term record of on-time payments and responsible use of credit. Keep your debt-to-limit ratio below 30%.

clear up any derogatory first of all so get current on any lates, pay collection accts and clear public records, pay on time, keep the balances down (manageable if any balance) and minimize the number of times your report is pulled,and wait.

If you are carrying balances on credit cards, pay them off. Carrying balances of more than 30% of your available limit hurts your score. Pay them off and get a quick boost to your score.

Other than that, the only way to improve your score is to pay all your bills on time. You need at least a 24 month consistent, on time payment history to improve your score. The longer the history,the better the score.

1 bring all accounts current
#2 pay down all unsecured debt
#3 dispute all incorrect, negative information

It takes time if you have damaged credit. Furthermore, focus on keeping any good accounts in good standing. They will eventually outweigh the older negative accounts.

1. pay your bills on time
2. keep your account balances low
3. apply for credit sparingly.
4. dispute any inaccurate info in your credit reports (note: do not listen to those scam companies that offer to fix your credit. most are shams. you cannot get accurate info effectively removed from your reports. the only thing that will get those derogatories off is time...7.5 years from the date of delinquency.)

Pay bills on-time, if using credit cards, pay them in full every month, don't leave an outstanding balance as the lower your available credit line, the lower your score.

Clear off collection accounts, make sure to pay current loans on-time and bring all accounts up to date. It takes a lot of work and a lot of time if you've been screwing it up for a while.

If you have bad credit, you're going to be subject to extremely high rates for a while- make sure you can afford the monthly payments and pay them on-time. Each late payment will set you back another 6-12 months in on-time payments.

To have a decent score you can't have more than one or two lates the last 36-48 months.

Go to one or more of the big three reporting companies and get a credit report on yourself. Examine the report for errors, accounts that aren't yours, and any other discrepencies. You can challenge these mistakes and a lot of times get them taken off your report. The process might take a couple of months but it might raise your score several points. I found an account listed on my report that actually belonged to someone with a similar name. Removing it added several points to my score.

Being in the mortgage business, I see a lot of credit reports. What seems to work best is this. Pardon the long answer but I think that if people KNOW this then they will DO this. If you keep people in the dark then a lot of people who would have excellent credit can not do it because they don't know how.

First, open one installment loan. That means a car loan, a personal loan or anything that has a monthly payment that is always the same. In order to have the best score, you must have been paying this for at least a year and you must pay the principal down by about 20%. Therefore, if you can pay extra on principal at the beginning of the loan, that is ideal. This means that if you have a score of 720 and you take out a new car loan, your credit score goes down. That is because of lack of history on this account and the ratio of current balance to limit on the loan or "high balance" is high. You can not prevent the decline in score but if you know it happens maybe you would not open several new accounts at once. Once some time goes by your score will go back up.

Next, open two credit cards. Charge no more than $100 on both of them and pay the minimum balance every month. I'm not a fan of credit cards and I know that making the minimum payment instead of paying the card off when you can is not the most economical choice but I consider this "playing the credit score game". It's a small cost to pay to get a great credit score. Most importantly, do not ever charge more than 50-60% of the card's limit, experts say that it is better to open another card, and pay monthly, not all at once.

NEVER allow a collection account to go on your report. Do everything you can to work out disputes with the individual creditors before the bills go into collections. These include unpaid medical bills, heating fuel, electric, cell phones. Don't walk away from these obligations, they may come back to haunt you. I estimate that having just one unpaid collection account of $50 will reduce your score by 50-75 points. That will take you from having excellent credit to having marginal credit and will make a credit card interest rate go from 9% to 25%!

Avoid judgements (people suing you for money and winning)and tax liens at all costs.

Take responsibility for your credit and fixing it. No one cares about your score but you!

Oh, btw, don't use those gimmicky free credit report sites, the gov't site that gives you a truly free report is annualcreditreport.com.
It won't give you a credit score but if you can see you have good credit you probably have a good score. There are several scoring models and banks probably won't use the one from the site that you pay for.

Good luck!

I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. My friend in California went through www.totaldebtsolutionsllc.com and called their toll free# or filled out the free evaluation form to get the ball rolling. Good luck

i noticed a nice difference when i opened a revolving credit account

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