How to raise my score

[goose3500]

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

[cobra19]

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. 

.

[goose3500]

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

[JShidell]

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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

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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

[llecs]

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JShidell wrote:

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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

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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

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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.

[southernficoaddict]

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