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sis79 | How do I get my 708 credit score up? I pay all my bills on time. Haven't been late on a bill in 3 years. |
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Kokopelli
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Reduce the amount of outstanding revolving credit. It seems that the total of credit card balances is just as important, if not more so, than making all your payments on time. Reduce the total amount owed on credit cards and your credit score will go up. Guaranteed. |
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Michel D
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What you want to do is simply this. Think of all your credit cards(revolving debt) as a big pool of credit. Add up all your balances. Now add up all your limits. You want to bring your total balances down to 33 - 35% of your total limits. That will have your credit score flying in no time. Opening a new line of credit and not using it will also help boost your score as it will add to your limit but not to your balances.
If you have anymore credit questions please email me.
PS - And you still need to pay all your bills that report to the credit agencies on time. |
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Paula M
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You need to balance many things - one is the amount of available credit to used credit - if all your credit limits add up to 2,500 and you carry an average balance of 1,500 regularly - that shows that you use 60% of your available credit - gotta get that much lower.....
another thing.....your credit cards report once a month and even if you pay off in full each month.....they might report to the credit agencies before your check hits...so on paper it looks like you carry a balance every month and don't pay it off.
Also, the type of credit you carry - bottom feeder cards like jewelry store/gas/walmart credit is considered bad...that can have an effect on your score. |
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Lg
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get a credit card and buy something once a month, then pay the bill.
get a loan for a car or something/bills/doesn't matter and pay that off, on time every month
you build credit by showing you can be borrowed to and you will pay it back |
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wish I were
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You can get one free credit report from each of the three bureaus once a year. Make sure there are no mistakes on your credit reports. Equifax, Transunion and Experian are the three to contact. Good Luck! |
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MANDEE
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That is a very good credit score...i wouldnt stress about raising it. |
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Odessa R
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stop having credit checks run each one deducts point from credit score every time you apply for a loan points off score or credit card same thing Pt's go down ! |
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blahblahgrl
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You're on the right track, and 708 is a pretty good credit score. Eliminate some of your debt so that your debt to income ratio is less and if you can get rid of some credit cards or loans all together you should be fine. It just takes time and patience. Good luck! |
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nelson_devon
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If you can figure out how to get a good credit score you are a genious. I get a credit report and it says that I have to much revolving credit and on the same report it says I am underutilizing my cards or some such junk. |
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floridaman39us
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Reduce the revolving credit that you have access to. Close credit card accounts that you dont use. |
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jynxx25
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You have a good score and all the other comments are right, give it time. Make sure all the information is correct and there are no errors. If there are errors, report them to get them cleared.
Do not stress trying to get a perfect score because is it virtually impossible. |
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NONAME
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Give it time, first of all.
Avoid having more than one credit card with a balance at any time, and never owe more than 50% against that card. Anything higher will reduce your score |
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Louis G
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708 is a good score. The only thing that you can do now is just keep on going. The length of credit history plays into the rating. the longer your credit history the better your rating. provided of course that your history is a good one. |
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suepeaches
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perhaps work harder to pay off an existing credit card or loan and then closing the credit card account. |
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