I want to improve my credit score in order to get a student loan; how do I go about doing this?

Those are high ambitions. I'm relatively sure that your going to need more time then a month to build you credit up. You can start by making sure that your not in debt. And making sure that your paying off all your cards if you have any off on time. If you have help a card for over 6months, give them a call or go online to you acct and put in a request to increase your credit limit. This helps your fico score a bit. Fico score is determined by how much of your available credit limit is being used up on a month to month basis. Meaning. if you have 1000 limit, and your spending under 50% a month($500) , and you pay it off on time. That will look good on your score and it'll start to climb. By calling and requsting a increae on your limit, it makes it look like you using less of your available limit. Sorry to say, there no true way of fixing you credit, especially in just a month. Hope this helps.

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You score is still low as you know, but a couple of smart steps could put you at the top... so you can get your loans =) Here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- : # Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed on the article below. It really helped my get my score up.) # Never Miss a Payment, Starting Today # Never use more than 20% of your Available Credit # Keep Credit Cards that Have No Annual Fees Open For as Long as Possible # Extend Your Credit Limit on Cards You Already Have before You Get New Ones # Get Credit Cards that Have CashBack Rewards to Contribute to your Balance # Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit- # If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan # Take out a Small Personal Loan and Repay it Over a Year # Ask Someone With Good Credit if They will Account Shadow you ... When you're trying to rebuild your credit score it's important to get a comprehensive view of what is actually effecting it... Your Credit Score is calculated with the following breakdown: 35% - Payment History 30% - Credit to Debt Ratio 15% - Credit History 10% - New Credit 10% - Credit Types in Use If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score. I've got a lot of information on my blog about credit scores, and I get a lot of questions so feel free to check out any of my posts on millionster.com; I believe my articles here address many of your concerns but if they don't and you still have any specific questions feel free to leave a comment and I'll reply. How Can I Increase My Credit Score http://millionster.com/articles/debt/ask-1mil-how-can-i-increase-my-credit-score/ and 10-Ways to Boost Your MyFico Score http://millionster.com/articles/debt/increase-fico-credit-score/ Also be sure to check out the promotional links I've listed here to help you get a better picture of your creditworthiness: MyFico's Full Credit Report http://millionster.com/go/myfico Suze Orman's Credit Report Repair Kit http://millionster.com/go/suzekit 30-day Trial of Credit Score Tracker with Free MyFico Score http://millionster.com/go/fico30

Basically 90 points in a month is not going to happen unless you have a lot of items incorrect on your report or you have debt you can pay down. If you have items on your report that are incorrect you can dispute them with the credit agencies. However, they have up to 30 days to respond. So even if you do have incorrect information that they do remove it probably wll not happen in time. The next item is your payment history. This accounts for 35% of your total score. If you have any accounts in collections you need to take care of these. You will need to talk to the collection agencies and see if you can pay the accounts. It would be best to get them to agree that if you pay in full they will delete the negative information. However, again because of the time it sometimes takes to update the reports even if you did this now it probably won't be reflected in your credit reports for a month or two. Even though you may not want to hear this, it might be best to stay in the dorm for at least another few months. Then during this time work on getting your credit in order. The other advantage to this is when you leave school you will have LESS debt because you did not take out a lot of student loans.

It is going to be difficult to get that credit score boosted up in a month. It is a bummer being in a dorm, but the one positive is the hammer can quickly come down on "loud" residents, where in other settings it can be a tedious process to have someone evicted, or - at the least - the residents aren't geared to "student" time, a flow which is more compatible to life at school. I would get wheels, stay in the dorm and build up the credit score over the next six months to a year. You don't want to quickly scramble with something like the credit score. Hoping your pre-season soccer work is all good.

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