
What is the easiest and fasted way to raise by fico credit score?
I have a little debt and some over 30 day past late payments. thanks.
Public Comments
- The easiest way to improve your FICO score is to bring your past due accounts current. Then, keep them current for at least two years. Every month your score will improve a little. After no late payments for about 2 years, you should see an increase in your score. During this time, don't open new credit accounts, and keep those payments current. You can't increase your credit score overnight. You have to maintain a good credit history and demonstrate that you're responsible with credit, and therefore you're not a risk. Also, pay attention to your credit card balances. Keep your balances low, because if you keep your payments current, but you have high credit balances that will hurt you. Good luck.
- open a new credit card with a huge available credit but don't use it.
- Easiest pay is to get credit and start making current on-time payments consistently. Just don't fall for one of those "credit repair" predators.
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