Easiest way to increase credit score?

[alexfisher50]

Make sure you:
1) Check your credit report and fix any errors
2) Pay off your credit card balance (keep your utilization ratio low)
3) Start paying your bills on time (if you don’t do it already)

More here

[KennethBee]

To all that has been suggested, I'd add the advantage of making payments twice a month or even more often than that. It will keep the credit balance low.

[djsuperfly]

Originally Posted by KennethBee

To all that has been suggested, I'd add the advantage of making payments twice a month or even more often than that. It will keep the credit balance low.

Psychologically, that can help and can be better for budgeting, but FICO scores aren't real-time. Each credit line only reports once a month.

[Nov3]

Varied trade accounts
such as revolving credit.
CC cards usually two major and one store brand.
No matter the max line of credit- use the 20% usage with pay in full each month.

Have a bank loan/car loan/personal that is healthy ( paid on time) and also has a decent history value.

Have utilities? yes even they can be included if you pay them diligently.

all this factors into sustaining or increasing scores.

Public records are a bane to some looking to improve. With writ of revivals in fashion ...they can last a life time in some states. Even if you pay them it can be on your report.

I gave up chasing the almighty high fico score. Now its all cash with pre pay cards.

If your seeking loans then I can see the purpose.

[djsuperfly]

Originally Posted by Nov3

Public records are a bane to some looking to improve. With writ of revivals in fashion ...they can last a life time in some states. Even if you pay them it can be on your report.

New reporting rules by the three bureaus have virtually wiped judgments off of credit reports--never to be seen there again.