Quote:
Originally Posted by Sylvanfan
Fake your death and recreate yourself with a new identity. Works every time for me.
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Thanks Cheese... I mean... Syl... Oops...
Time and payments. I wouldn't reccomend wiping out all your credit, but maybe consolidating it into one payment. Make those payments on time.
If you wipe it all out, there's no history to report, hense nothing to build on.
If you do have anything outstanding as far as collections or anything like that goes, take care of those first. Make your payments on time when it comes to the other credit you've used, pay your bills, and wait.
A lot of times, your credit will go up about 2 points in the matter of about 4 months with not the best management. Other times just getting back in the habbit will work wonders on your credit scoring.