6 Surprising Ways to Boost Your Credit Score

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I swear my credit score goes to 690 down to 620 monthly and gives me heart attact because I am buying house and if it is the time when it hits 610 then I am done with all the work I put in to get pre-approved and al;l the work for the VA LOAN.

Michael L Wueschinski of PA 5:08PM April 07, 2013

Dee, you should reread the article. It was not a contradiction at all. The 10 percent was about how much you use on one credit card. The 33 percent was about credit utilization which would include all the balances from multiple cards as well as loans and such....

McAwesome of VA 8:31AM April 01, 2013

Very true IM so happy IM responsible
As we grow we need to manage our finance
Be a good financial
Planner
I Anna Torre
Pledge to not only spend wisely
But to have nice things too
To have nice things
Does not mean throw money away

Anna torre of NY 12:08PM March 24, 2013

The less debt, the better... Ideally, you want to use less than 10%... but keep it around 33%... good contradiction.

Dee of IL 7:20PM February 19, 2013

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czurpak of MA 8:08PM February 12, 2013

make a copy of both sides of each card you have to keep in your file. don't carry all your cards with you all of the time.

Kate White of NJ 2:25PM October 16, 2012

Meaningless article. Also, if you ask for a credit increase it becomes a hard inquiry and lowers your score.

Lawrence Grossman of NC 8:11PM October 15, 2012

I was surprised that if you don't have a "car loan" it lowers your credit score (Personal experience). I think the "formulas" used to determine credit scores, needs to be revealed. Since there are 3 different agencies that produce them, and they are used for so many different reasons, it should behove them all to reveal how a credit score is determined. The credit agencies are currently accountable to no one, but have the ability to affect everyone. In addition, I believe that the "perfect credit score" is unatainable, therefore the entire credit score usage, is without merit.

SSBlum of PA 2:58PM October 08, 2012

Forget most of this if you are paying for a car. Seriously, my credit score went from only 675 to 770, with credit card debt in the mix all because I made car payments early or on time for twelve months. A financial advisor told me that almost nothing raises your score more quickly and it looks like he was right. I just qualified for a mortgage at a rate I could not have dreamed of last year.

Lenore of MN 2:02PM September 29, 2012

At this point in time I believe its safe to say that we all know the pros and cons of credits cards. Thus, we move forward and work towards a better conversation. Something along the lines of getting something into legislation that will help prevent credit cards from offering preditory offers.
The outcome of credit card use is either A) their use is responsible and helps build credit or B) debt is developed and credit is reduced.
We have to think ahead. Not focus on the now and how can we benefit now, but how can we prevent ourselves from racking up debt. Processes need to be put in place, the financial professionals need to change course from whats getting people what they want now to what they will need capitol for later. personally, I'm of the opinion that if someone takes out a credit card with any worthwhile limit, that they meet with an accountant to learn about the possible charges that can be derived. Ideally, meet with an accountant who has become a CPA as this indicates their level of savvy and dedication to their field. Here is a resource link that should help shed some light on what accountants go through to get the CPA credential: www.cpaexam.com/how-to-become-a-cpa/
Best,
Grant Webb
Bisk Education

Grant Webb of FL 9:53AM September 14, 2012