topic Re: How to raise my score in Rebuilding Your Credit

How to raise my score

goose3500 — Wed, 06 Aug 2008 19:45:16 GMT

I was wondering how to raise my credit score to a atleast 625 by november, currently I have 565 TU 558 EX and EQ 576 I have one revolving credit First Premier and a Ttibute cc that is close that i am still paying the balance on. How many revolving credit accounts should i have. I only at the max get ten points a month from both cards. Please help

Re: How to raise my score

Anonymous — Wed, 06 Aug 2008 19:51:24 GMT

Are those scores your real (FICO) scores? Where did you get them?

Can someone with a long credit history - and good scores - add you as an AU on one or more of their accounts?

Since it appears you have only 2 cards, get you balances to < 10%, preferably < 3%. Have 1 of your 2 cards show a zero balance.

Re: How to raise my score

goose3500 — Wed, 06 Aug 2008 20:00:27 GMT

I got the score from truecredit.com people are telling me that this scores are not real. I tried to get my stepmother to put me on her cc as a AU but she was to afraid too

Re: How to raise my score

JShidell — Thu, 07 Aug 2008 06:47:36 GMT

goose3500 wrote:
I got the score from truecredit.com people are telling me that this scores are not real. I tried to get my stepmother to put me on her cc as a AU but she was to afraid too

TC gives out FAKO scores. Pull your scores from this site. You might be suprised by the difference. Hopefully a plus in your favor.

Good luck

v/r

JShidell

Re: How to raise my score

llecs — Thu, 07 Aug 2008 11:25:45 GMT

JShidell wrote:

goose3500 wrote:
I got the score from truecredit.com people are telling me that this scores are not real. I tried to get my stepmother to put me on her cc as a AU but she was to afraid too

TC gives out FAKO scores. Pull your scores from this site. You might be suprised by the difference. Hopefully a plus in your favor.

Good luck

v/r
JShidell

Yep. YMMV, but by TU FICO score has been as much as 90 points higher than my TC FAKO score. But ignore the scores and advice from TC.

Re: How to raise my score

southernficoaddict — Thu, 07 Aug 2008 13:16:04 GMT

My TC scores are almost 100 points lower than myfico scores also. Only use TC to monitor changes to my report.