Credit Repair

what is the best way to repair my credit score?

what is the best way to repair my credit score , i ran into a few problems last year and my credit score dropped , but now i have not one outstanding bill i just sold a home and payed off a 400,000 Mortgage i have zero bills and i just took out a few credit card to start the re buliding of my score , is there any othere way to up my score faster i also have a 500 a month car payment 3 new credit card that i use offen and pay most of the balance off every month , i also a a cell under my name ,, if i contunie to pay these all on time home much time will it take before i see my credit score move higher

Public Comments

1. other than the credit cards i would say take out a loan maybe like 1,000 or someting low put it all in the bank and just take the money out to pay the loan back that will help! Finance a car or something get a cell phone in your name or a computer from dell, they have financing just get any bills or things in your name to pay off. and pay them on time and more than the minimum amount and you should be good
2. Ok, first start with paying off debts like credit cards. Cancel all and keep only one. Then lower the allowed balance to $2000. NEXT Then get a copy of your credit reports and close all existing credit card accounts even if they have a zero balance. A $5000 available credit card with a zero balance looks like $5000 potential debt. This hurts your score.
3. Keep your credit cards and keep paying on time each month. Pay off old debt and check you credit report often. Dispute all the bill that you paid off as Paid in full. The credit bureaus will delete the account off your report. It will take about 6 months to a year.
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