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How can I improve my credit score? ?
I've recently paid off all of my debts with the last stimulus check. I would like to improve immediately my credit score. For quite a while I was with consumer credit counseling. Does that hurt my credit score? Does anyone have any tips? I need to do this over the next three months or so.
5 Answers
- MichaelLv 74 weeks agoFavourite answer
Avoid opening any new lines of credit. Pay all your bills in full and on time. Be patient. Credit scores do not increase quickly. Expecting a dramatic increase in just a few months is unrealistic
- D.E.B.S.Lv 74 weeks ago
The only thing that helps your score in the short run is your credit utilization. Since you have paid off your balances, that should not be an issue for your score right now. Other than that, not knowing what your score is at or what you did to have a potentially low score it is hard to say if there is anything to be done. Most likely only time will help.
- 4 weeks ago
You cannot move credit ratings significantly in three months. You can work towards it by going online several times per month and paying off the one credit card you are using in advance, then pay the statement immediately when it arrives.
- Anonymous4 weeks ago
Contacting them doesn't hurt your score, talking to them doesn't hurt your score, what hurts it is if you take their advice if they advise you to negotiate lower payments and then your score only goes down when you get into arrears. I'm not saying don't take their advice if they think that is the best way, damaged files repair themselves in time. However it's longer than three months.
