Raise Credit Score Range

Free Information On How To Raise Your Credit Score Range:

Paying Down Credit Cards:

By paying down (or paying off) your revolving credit card accounts you can dramatically increase your score. Keep in mind that this applies to revolving credit, as opposed to non-revolving credit such as loans (which would help too, but not as drastic). The goal here would be to pay each card down so that you are only using 30% of the available credit.

Avoid Big Balances:

Having a large balance on your statment, even if you pay that statement in full, is a bad thing for your credit score. The credit bureaus calculate the statement balances into your score and those balances from your last statement is what gets counted. Again you want to stick to the 30% ratio, using only about 30% of your available credit.

Pay Early:

This works together with tip #2 above. If you accumulated a large balance within the month send in a payment a week early to bring down the final statement balance. Again it is the final balance that gets reported to the credit bureaus.

Don't Let Your Old Card Get Stale:

The older the card the better. Use old credit cards even if it is just for a small purchase every couple of months. Otherwise that card might stop reporting to the credit bureaus and you will not gain the benefit of having it.

Dispute Old Negatives:

You should dispute the old negatives as "not mine". If there is a negative on your credit report that is old and/or a small enough amount you may just win. Also companies that have merged or have been bought out may not have the records organized and therefor will not be able to provide the proof within the time limit to win your dispute.