What are some ways I can improve my credit and credit score?

This is a hard question to answer and it takes hard work to get it done right. First of all you have to get your credit report and look over all of the information from all 3 of the bureaus each one is important even though most companies go by the average score or middle score you have.

If you have low or lack of credit then you need to establish credit and e-mail me for help on that.

If you have bad credit from credit cards you need to check and see if you have an open accounts that have a zero balance and close them yourself. This shows that you have no revolving balance and no avail credit. Which means already you are lowering your risk of debt to income ratio.

Now onto the harder stuff, with the remaining credit cards you need to pay off any small balances and lower the interest rates on any cards that have high interest or high balances as this will lower the amount of time you have revolving balances.

Closing accounts before they are paid off is always better then after they are paid off as while you make your payments it shows you still were faithful and it also shows that you willing closed the accounts and if you close too many accounts at the same time your credit will take a hit...so I always do it while my credit is already low and keep one major card open and a few department store cards and 1 gas card open. This allows me to keep some good credit so I do not get stuck. Also keeps positive credit coming in during my rebuild.

I also suggest even though most people frown on it, getting a time-share...people think I am crazy but it counts as deeded real estate. If you have not ever bought a house this shows you can in essence handle an mtg and no matter how bad your credit is they approve you with in house financing. My husband and I did this and we bought our house with 100% financing and 0 money down.

I took my beacon score from a 532 and in less then 2 years brought it up to over 630. So it can be done. This seems like a long time but I fixed my credit and bought my house the way i could afford it.

Dispute all negatives and anything you question to all 3 bureas and keep copies of your records. This takes a long time but is very helpful.

There is also a book called the Bankers Secret by Marc Eiseson I was told then it is time to move onto this source for more tips. Thanks Good Luck and E-mail me anytime for more details.

Read some useful credit tips on this site to help you

Pay your bills on time; and pay a little over...
Or you can do like I did... when I was in college I had credit card debt (you know, trying to make it through school). Once I got out, I went to Consumer Credit Counseling and consolidated my bills... paid everything off in three years... now I'm a home owner, drive a Mercedes Benz and have a beautifully furnished place. It can be done,darling, but, you must remain focused; and what you don't need, don't purchase. Good luck!

For tips on raising your credit take a look at "Raising Your Credit Score" http://creditwisdom.blogspot.com/2006/09/raising-your-credit-score.html

There are very few fast ways to raise your credit aside from disputing items but good credit practices will slowly and steadily increase your score.

Start by paying off your debts. Get a credit report from Equitrack and pay off anything that is outstanding. Then start requesting credit cards, if you dont already have them, and keep current on your monthly payments.

pay down all revolving debt Credit limit 500 always have 400 available credit. Piggy back off some one who has an account in very good statndard with some history. dispute all negative items on you report even if they are yours.

1. Make your you pay your bills on time. If this is an issue for you, set up automatic payments.

2. If you have credit card debt, establish a plan to reduce and eliminate them. Start by gradually paying off the card with the highest interest. Set aside extra money each month to pay off credit card debt.

3. Do no apply for more cards if you do not need one.

4. If you are shopping for a loan, a sure you check with a few lenders within a short time frame as credit bureaus understand that people do comparison shopping.

One way is to pay of you bills monthly, or get a signture loan
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http://www.bestcreditrates.net

Credit Score Explained
http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html

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