Profile picture for queenD1978

what's the best n quickest way to improve my credit score?

  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 05 2011 - Lafayette
We think we've answered this question for you!
  • Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.
 
 

Answers (4)

Some good advice here, but I have found that the boards at www.myfico.com are the best boards for getting credit advice.

Closing credit card accounts is hardly ever a way to quickly improve credit scores. Paying them down, but not closing them is usually better. Closing an account can change your average age of accounts...older is better.

Long term you may wish to close accounts, simply because they won't be used or the cost too much to keep. And a lender may ask that you close them, but it usually won't increase a score in the short term.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
March 29 2012
Paying your revolving credit down to 5-9% of the high credit hands down on every file it works.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
March 29 2012
Certainly the quickest way to improve your credit score is to pay your bills on time and be sure to avoid any delinquencies.  You should also check your credit report to see if there are any errors and if there are contest them and have them corrected.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 06 2011
Hi Queen D,

Without seeing your credit report, it is difficult to offer an opinion. But, number one item-pay your bills on time!

Now, with that said, is your credt low due to a lack of credit history? If so, perhaps you should obtain a credit card. Use it sparingly and make your payments on time. If you don't qualify for a credit card, go with a secured credit card ... you pay in advance and charge against the balance you have deposited.

Is your credit score low because you have to much available unsecured credit (many credit cards that you do not use)? Cancel some of your credit cards ... pay in full & close the account. Keep a few credit cards and pay on time.

These are just a few ideas. You can always consult with a credit counselor, or a loan officer at a bank or credit union.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
July 05 2011
 
Related Questions
Wrong City?
Profile picture for Kinnon
Latest answer by Kinnon
August 05 | 14 answers
How do I go about removing my make me move ad on Zillow.
Profile picture for JMDCP
Latest answer by JMDCP
May 30 | 1 answers
I am trying to have a false testimonial pulled down from a realtors zillow blo
Latest answer by wetdawgs
June 13 2013 | 1 answers
Out of date info
Profile picture for Lea C
Latest answer by Lea C
May 13 2013 | 1 answers
Be A Good Neighbor

Zillow Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy.

Homes for Sale
  1. 585 Silverado Dr, Lafayette, CA Home For Sale
    585 Silverado Dr, Lafayette, CA 94549

     For Sale: $1,525,000

    • Beds: 4
    • Sqft: 2668
    • Baths: 3.0
    • Lot: 14250
  2. 9 Broadview Ter, Orinda, CA Home For Sale
    9 Broadview Ter, Orinda, CA 94563

     For Sale: $1,775,000

    • Beds: 4
    • Sqft: 2500
    • Baths: 2.5
    • Lot: 27007
  3. 284 Croyden Dr, Pleasant Hill, CA Home For Sale
    284 Croyden Dr, Pleasant Hill, CA 94523

     For Sale: $705,000

    • Beds: 3
    • Sqft: 1556
    • Baths: 2.0
    • Lot: 10890