How To Raise Experian Score

[rmduhon]

What do you mean by regular scores?

[MsAutumn]

---

@GApeachy wrote:

---

@MsAutumn wrote:

How can I raise my Experian credit score? 

---

To answer your question:  If you can't pay for delete then....Wait it out until Fall 2026.  Until your collections are gone all you can do is NOT get anymore derogs and concentrate on positive credit behavior.  Those two things will earn you a few pts. here and there SLOWLY  but really the big thing is when that very last collection (last derog/negative item as well) is gone from your credit reports,  your scores are gonna jump into the "Good-Excellent" category.   

Have you tried to pfd? (pay for delete)

---

Ok and no I haven't tried to pay for delete

[MsAutumn]

---

@rmduhon wrote:

What do you mean by regular scores?

---

Not my Fico scores just the ones that are updated daily on sites like Credit Karma

[Horseshoez]

---

@MsAutumn wrote:

---

@rmduhon wrote:

What do you mean by regular scores?

---

Not my Fico scores just the ones that are updated daily on sites like Credit Karma

---

Just to reiterate the points made above, there are two types of scores:

• FICO (like the Experian FICO 8 you're getting); there are something like 34 different FICO scores
• Vantage (aka. FAKO); these are the scores you get from the likes of CreditKarma (Et Al) and are largely irrelevant and should be ignored

[MeredithLepore]

Instead of paying off every charge as soon as you accrue it, wait for the statement to close before paying off your card. This will ensure that you are reporting a balance and actually using some of your available credit. Other than that, have patience! As your credit age and positive payment history increase, so will your score.