how to improve credit score of 171 FAST?
I am a student and have just recently started building my credit, i applied for a credit card at a student union and have been paying it off regularly (sometimes i pay it a few days after using it—long before i even get the bill–is this good or bad?) what other way can i build my credit score fast and how can i check to see what is it?
btw i have no debt of any kind
THANKS!
Paying off the credit card at any time from when you use it to when the bill is due is good. Paying before you receive the bill is not bad, but is not better than paying after, as long as you pay before the bill is due. (Waiting until after the bill is due would be bad.)
Your "real" credit score is not available for free. You may pay for it, but I do not recommend it. The website http://www.creditkarma.com offers free scores, but they generate these scores themselves using a different formula than the rest of the world uses.
There is no way to improve a credit score "fast". Credit scores can fall fast, but they rise slowly.
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If you are just starting to build your credit now it’s going to take some time and patience. When you are starting out I really don’t think there is a fast way to build your credit score up. But paying off your balance of coarse is a good thing.References :
There is no extra advantage to paying on your credit card before you get the monthly statement. Use the card and pay it in full every month when you get your statemetn. You can then take advantage of the interest free grace period between the purchase and the due date.
Paying on time every month will build a good payment history. But you don’t build credit overnight. You have to have a 6 month history to even have a FICO score. It takes years to build up a good score.
I don’t know where you got that 171 credit score but it’s not a FICO score. Anything below 300 defaults to 0.References :
Paying off the credit card at any time from when you use it to when the bill is due is good. Paying before you receive the bill is not bad, but is not better than paying after, as long as you pay before the bill is due. (Waiting until after the bill is due would be bad.)
Your "real" credit score is not available for free. You may pay for it, but I do not recommend it. The website http://www.creditkarma.com offers free scores, but they generate these scores themselves using a different formula than the rest of the world uses.
There is no way to improve a credit score "fast". Credit scores can fall fast, but they rise slowly.References :
You might want to check out this website regarding your credit score (and getting a free report):
http://www.squidoo.com/how-to-protect-my-credit-scoreReferences :