It depends on the information they contain. If they tell you to pay your bills on time and if possible in full. Not to exceed credit limits or have umpteen cards or use advanced cash, etc..then they are good. If on the other hand they suggest questionable practices such as using false SS#, bad very, very bad. And a Federal crime. The best way to build your score is being a savvy consumer, and paying up as agreed, consistently.
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The most important factor in a credit score is paying one's bills on time. Any late payment lowers the credit score, but a higher ratio of on-time payments will raise it. Paying down some debt will also raise the ratio of available credit and raise the credit score.
Credit scores normally range from 330-830. The only way to raise your score positively to continue to pay all bills on time and keep your debt ratio low. With a new credit card/loan it takes about 6 months of positive information to raise your credit score.
If you give grantsgov $490 to raise your credit score, you will lose the money and your credit score will not be raised.
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Keep them. This will raise your credit score. Having an active account that you do not use is an excellent way to raise your credit score.
It is so important to maintain a good credit score, and if you need to raise your score, there are a variety of ways to do so. Here are a few sites that can provide you with great advise for improving our credit score: http://articles.moneycentral.msn.com/Banking/YourCreditRating/weston-raise-your-credit-score-to-740.aspx http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit-scores-weston.aspx
A good way to raise your credit score, is to get a credit card with a limit on it, and only use about $10 a month on it, and pay it back immediately. This will help to raise your credit score gradually.
Credit counseling does not always work and may actually make your credit score worse. There are no quick fixes to raise credit scores and just pay your bills.
The fastest way to raise your credit score is to pay off all of your outstanding credit card debts and any non-collateralized personal loans. After two (2) months, the status of zero balances across many products will raise your credit score. Now, if your credit score is low because of missed payments, judgments, writeoffs, etc., doing the above will raise your score, but not to a level where you will find it easy to obtain new credit instruments.
Credit scores can be raised by being responsible with credit. Credit card bills should always be paid on time. Debt reduction can also raise a person's credit score.
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