How Can I Increase Experian and TranUnion Score

[Anonymous]

Hello what can I do to improve my score 50 more points on EX and TU?

I have myjewlers account, I am an AU on 2 cards, I have a secured card.

[AllZero]

You'll have to provide more information if you would like feedback.

[Anonymous]

You're going to need to provide a lot more information in order to get decent responses.

You'd need to list out all of your accounts along with their current balances and limits for starters.  Then get into your age of accounts factors... oldest account, youngest account, average age of accounts.  Number of inquiries.  Presence of negative items and if so, what are they and how old.  Any open or closed installment loans.  Start with that information and then we can begin to offer up some advice.

[Anonymous]

Well normally I would say the quickest way would be to pay down any balances to under 8.9%. Negatives take a bit longer to rectify depending on what they are. Inq just have wait for them to age off.

But for someone with only two accounts and two AU accounts, not much I can say. You can't control what happens on those AU accounts, so if they're carrying high utilization it will cause a dip in your scores. And it's not like you can tell the owner what to do with them.

Your own cards, secured and Store account will simply need to age so that you can acquire better accounts in time. I don't see a quick solution ATM. 

[pizza1]

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@Anonymous wrote:

Hello what can I do to improve my score 50 more points on EX and TU?

I have myjewlers account, I am an AU on 2 cards, I have a secured card.

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What are the balances and credit limtis on all your accounts?

What are your current FICO scores? 

Do you have any loans reporting? School loans count...

We actually would need some more inforamtion to provide better responses and advice.