Credit Reports
Improving Your Credit Rating

Is it really possible to improve your credit score within 7 days or even 30 days like a lot of websites claim?


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2011-09-13 03:07:08
2011-09-13 03:07:08

I originally had 6 charge offs on my credit report. Paid four of them off and got one of the creditors to delete one from my credit file. Before doing that my score was a 571, 537 and a 615. Now, I know that when applying for a mortgage they use the # in the middle which would be the 571. My goal is simply to make it to 580 by December I paid everything up in late Oct. and was on all the creditors to makesure they reported to the credits buerues. Do you think it's possible to make my goal by then?


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Yes, if you use it properly. Just getting one and doing nothing doesn't really help.

Not really. You are below average, but not horrible. The low 700s are average. Improve your score by lowering credit balances, paying bills on time and diversifying your credit portfolio.

If you're thinking a credit company can remove bad credit from you credit bureau, they can't. What a credit company can do is to help you improve your credit by helping you budget, plan bill payment and help you reduce your debt so that you can manage your debt better.

I am not really into that stuff but if you go to other websites you will probably find it

You can usually see credit on their websites. Offers tend to cost money however, so I'd be careful about which ones you get. I really hope this helps!

Generally speaking, you only make notations on credit reports to explain extenuating reason for baad credit or reasons for dispute. The credit bureaus don't really care why you applied for a credit card in the first place.

yes, it is bad to have to many credit cards because it shows that you are able to spend this at any time you should keep 2 cards with the longest good credit history and cancel the rest. also to improve your credit history more spend $100 dollars and make monthly min. payments to show that you can pay off something and your credit score will really improve.

at least 5000 ft sorry but i really dont think that is possible can anyone improve possibly

You can get free reports from all three major credit bureaus from You can only do this once per year. After that, if you desire another report, you will have to purchase it.

Well, I would recommend applying for business credit cards online with Visa or MasterCard because they have really low interest rates. But they also offer an option where you can apply for their business credit cards online on their official websites.

It wouldn't really be possible for them to do so, even if they wanted.

The only thing really annoying is that people can erase your answer when they improve it, while some changes don't really improve it...

I've read on line that you can get a limit of $12,000 for your Sears credit card. I really don't know if that is actually possible, to have that big of a limit on a card like that.

Depending on the scoring system used, that score may be considered low to average, but not really a great score. You should take steps to improve it.

really carrots does improve your eyesight :)

Great question! The answer is yes. However, credit repair companies can only remove inaccurate and unverifiable information that is reporting on the report. Accurate and verifiable information cannot be legally removed. The goal of a credit repair company is to help improve your credit by removing the inaccurate, unverifiable, and obsolete items from the report that are not meeting the requirements outlined in the Fair Credit Reporting Act for them to continuously be reported.

The credit will only be effected based on the payment history, or the balance to limit ratio can have an affect. (i.e. if the credit card has a limit of $1000 and the balance is $999) or really over 50 percent of the limit it can affect your credit even you make the payments on time. It isn't the same way if you have a non-credit card type account. (i.e. a car loan or fixed type of loan). The biggest change that adding someone with bad credit to a loan or credit account can be is regarding the interest rate. If your doing it simply to improve credit, then make sure the loan amount is very small so you don't over pay interest.

I've heard that if you keep your old account open (even with zero balance) can actually improve your credit score. The longer you keep credit card accounts open with out generating massive debt the more likely you'll get a better credit score. Depending on how large your balance is will really determine rather your credit score will get hurt or not (some will argue that it will not change your credit score but the answer varies from one opinion to the other) . You will be charged a fee by your previous credit card company though. Do not close your previous credit card account if you wish to improve your credit score, for some credit score companies may use it as a penalty against you (e.g. FICO).

It depends on the Credit Reporting Agency because they all use varying models. The maximum FICO score is 850. The maximum VantageScore (a new score now used by Experian, among others) is 990. For FICO, the highest possible credit score is 850, but anything above 700 is really good. Below 620 you are considered a serious credit risk and will pay high interest rates on any loans, credit cards, etc. you can get.

The best websites are and

The credit bureaus can offer information on what to do to imporve your credit history, as can credit card comapnies and many government publications. Unfortunately, there isn't really a way to "repair" you credit so much as develop practices to protect your rating and improve your credit score through paying debts and not incurring new ones. BEWARE of any "credit repair" offers. They are a scam and sometimes illegal. Your credit history is simply a reflection of your spending habits. Nothing more, nothing less. Act responsibly, live within your means and your credit history will slowly get better and better.

"Credit Union Loans are usually really competitive, so it may be really hard to actually get a Credit Union Loan unless you have a superb credit history."

By law the three main credit reporting agencies (Equifax, Trans Union, and Experian) must give you at least one free credit report a year through "Annual Credit Report". Unfortunately, this report does not have to contain your credit score. If you really need to know your actual score, there are dozen of websites (like Free Credit Report) that will give you your credit score. Be CAREFUL that the vast majority of these sites will sign you up for a monthly service that you have to cancel unless you want to pay.

Yes and no. Yes because there are several bad credit sites that really work and no because not all sites really work.

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