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[Anonymous]

Hello, I am just wondering if there are any tips to increase credit score other than fixing errors on Credit Bureaus and adding additional revolving lines?

[VirusCredit13]

Time, never missing payments, time, having a variety of types of credits(revovling, installment, mortage), time, only letting one credit card report balance @1-10% utilization, and more time.

[Anonymous]

Low utilization -- one card reporting at less than 4% and all others "0" really bumped my score.  

[Anonymous]

can i post maybe a recap of my bureau?  to see if I can get tips from there?

[Anonymous]

anyone?

[Anonymous]

FICO® Score

powered by TransUnion

630

Generated:Apr 8, 2015

Credit Rating:

Fair

Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score.

FICO® Score

powered by Equifax

617

Generated:Apr 8, 2015

Credit Rating:

Fair

Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score.

FICO® Score

powered by Experian

627

Generated:Apr 8, 2015

Credit Rating:

Fair

Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score.

[Anonymous]

experian

Credit Used

 

Revolving Debt

$2,254.00

Revolving Credit Limit

$13,100.00

Revolving Credit Usage

17%

Real Estate Debt

$0.00

Installment Debt

$41,714.00

Total Debt

$46,472.00

Negative Information

 

Accounts Ever Late

12

Accounts In Collections

3

Time Since Negative

0.3 year(s)

Inquiries Summary

 

Inquiries

22

Public Record Summary

 

Public Records

1

Length of History

 

Oldest Account

11.5 year(s)

Average Account Age

4.6 year(s)

[Anonymous]

Transunion

Credit Used

 

Revolving Debt

$2,714.00

Revolving Credit Limit

$13,650.00

Revolving Credit Usage

20%

Real Estate Debt

$0.00

Installment Debt

$41,656.00

Total Debt

$52,420.00

Negative Information

 

Accounts Ever Late

12

Accounts In Collections

4

Time Since Negative

0.7 year(s)

Inquiries Summary

 

Inquiries

7

Public Record Summary

 

Public Records

0

Length of History

 

Oldest Account

11.5 year(s)

Average Account Age

4.6 year(s)

[Anonymous]

Equifax

evolving Debt

$5,275.00

Revolving Credit Limit

$16,210.00

Revolving Credit Usage

33%

Real Estate Debt

$0.00

Installment Debt

$42,507.00

Total Debt

$50,888.00

Negative Information

 

Accounts Ever Late

14

Accounts In Collections

4

Time Since Negative

0.3 year(s)

Inquiries Summary

 

Inquiries

53

Public Record Summary

 

Public Records

0

Length of History

 

Oldest Account

11.5 year(s)

Average Account Age

4 year(s)

[Anonymous]

Your best bet is to focus on your collections and late payments.  It might be good for you to ask for help in the rebuilding your credit forum as there are very knowledgable posters that can give you suggestions.