How can I improve my credit score quickly?

March 8, 2010 · Posted in How to Improve Credit Score 

I have a 479 credit score. It sucks. I can’t do anything I want with my life to really improve a lot of things. How can I improve this quickly?
Oh, I am 26 yrs. old….

Sorry, but there is no quick way. First, pay anything that is past due (such as collection accounts) and get yourself current. Then, try to pay MORE than the minimum balance on what you owe. Rather than open new accounts here and there, establish what you have. Creditors will look at your financial relationship somewhere and take into account the length of time you maintained your account as well. Keep it up and your interested rates may lower too. DON’T FALL BEHIND ON PAYMENTS! DON’T JUST PAY THE MINIMUM BALANCE-PAY AS MUCH AS YOU CAN! Instead of splurging on those shoes that you don’t need, splurge on a credit card payment! Good luck!

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9 Responses to “How can I improve my credit score quickly?”

  1. khalilkyd on March 8th, 2010 4:10 pm

    Hi ,

    Try to borrow money and pay it back quickly. The easiest
    is to open a mobile phone account.

    Rgds…………….References :

  2. clmsngrl82 on March 8th, 2010 5:00 pm

    Pay off any debts owed. If you have collections on your credit you need to pay them too. If you have collections or you have been late on a lot of payments there is no quick way to improve your credit Quickly…it will take time, but if you keep it up you should see it improve drastically over the next 2 or so years.References :

  3. elletera on March 8th, 2010 5:49 pm

    Do this credit score test in link below. It gives you different scenarios on how a credit score rises and drops.

    http://www.truecredit.com/help/learnCenter/welcome/scoreSimulator.jspReferences :

  4. ary on March 8th, 2010 6:25 pm

    Sorry, but there is no quick way. First, pay anything that is past due (such as collection accounts) and get yourself current. Then, try to pay MORE than the minimum balance on what you owe. Rather than open new accounts here and there, establish what you have. Creditors will look at your financial relationship somewhere and take into account the length of time you maintained your account as well. Keep it up and your interested rates may lower too. DON’T FALL BEHIND ON PAYMENTS! DON’T JUST PAY THE MINIMUM BALANCE-PAY AS MUCH AS YOU CAN! Instead of splurging on those shoes that you don’t need, splurge on a credit card payment! Good luck!References :

  5. P J on March 8th, 2010 6:52 pm

    You simply can not improve the score overnight people just fail to realize that what they can do to themselves financially in just a few months will haunt them for many years.References :

  6. julia on March 8th, 2010 6:58 pm

    pay all your bills on time, everytimeReferences : http://www.getmaxloan.com/bad-credit-loan.html

  7. credit_and_scores on March 8th, 2010 7:33 pm

    I assist people in getting their credit and credit score improved. Your right, 479 is nothing to brag about. BUT, the only way to go is up! There is no QUICK fix, but working together, I will help you improve your credit, improve your score and soon, all the things in life that depend on good credit will be within reach. If you wish to discuss specifics like, what the credit damage is, what your short and long term goals are and how dedicated you are to fixing it, feel free to email me.References :

  8. timpoli on March 8th, 2010 7:45 pm

    pay your bills on time, and a consolidation loan work, I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.htmlGood luck!References :

  9. Noah_Bodie on March 8th, 2010 8:02 pm

    Some things can happen quickly, but others take time.

    Stop in MyFico forums and feel free to ask a question.References : http://www.myfico.com

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