How can I increase my credit score?

Yup....525 is pretty stinky. You need to re-establish some better credit that what you have now. Your line of credit is charged up to 93% of it's limit which is keeping your score down. You need to bring that down to 30-50% of the high credit limit and you'll see some improvement. Have you checked your credit since the bankruptcy? Are there accounts still showing with balances that did not show included in the BK? Sometimes if the accounts are not updated since the BK, this can keep your scores down as well. You need to check your credit and see how each account is reporting. For a simple 8 step system to repair your credit, along with a section that deals with your situation exactly, visit www.RepairCreditTrauma.com

You need to open some new lines of credit to open up your debt to credit ratio that makes up 30% of your score. Unfortunately that is difficult if not impossible to do with a 525 fico. Our company can help you repair your credit and help you open new lines of credit. The process can take several months and legally no one can promise you any time line if they do run! We are a member of the National Association of Credit Services Organization and as such abide all of the rules. I can tell you that we have thousands of clients that have seen big gains in their credit scores. It is better to get a handle on this now than wait until you are ready to apply for a loan. I can help email me [email protected] and take a look around our website www.acreditclinic.com

Are you smart enough to listen to some good advice from someone who’s been where you are? I’m betting you are because you’re seeking information on how to improve your credit score, which is a very smart thing to do. Maybe you’re hoping to buy a house one day and you know a higher credit score will not only increase your chances of being financed, but will also influence the interest rate you’ll pay. You probably already know that generally speaking, the higher your credit score, the lower your interest rate. http://www.worldbestloans.com/ Maybe you just need to improve your credit score because your credit took a blow due to divorce, illness or loss of a job. Whatever your reasons for wanting to improve your credit score, you’re to be commended and I’m going to help point you in the right direction.One very important thing to keep in mind -- when you finish reading, don’t forget to click on the links I’ve provided at the end of the story.

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I may be the only one so far that isn't trying to sell you a thing! I had a mess on my reports several years ago. Doing some searching, I found the myFICO forums. The site is 100% free, visited by regular people with negative issues keeping their FICO scores down. There are also a bunch of members in the upper 700's with a ton of excellent information because they have all been where you are & where I was! The site is owned by Fair Isaac, the developer of the FICO scoring system. It is highly monitored for accurate content. If anyone posts inaccurate info, they are either deleted, or corrected if it shows that they are simply uninformed. The folks there want nothing more that to see you move ahead. They're there for ya when things go bad & they cheer you on when things improve. They are all like my 2nd family there & I'm sure that you will find what I did...great folks with priceless information. Members also get emails with special codes to purchase (if you want...no pressure) FICO products. I always buy my scores there & it saves all your reports so you can see your improvement over time. You can get Equifax & Trans Union FICO's there. Experian no longer allows us, the normal Joe, to purchase our Experian FICO's. (you can only get them through loan pulls by a prospective lender) I cannot recommend that sight highly or often enough. You will simply not find better credit report information & help anywhere.

BK stays on your credit file for 10 years, not 7. The BK will hold you back somewhat. Because it is ancient history, it's not a major factor, but don't discount it either. The high debt to limit ratio on the line of credit and your student loans combined with your mortgage, I think, are a major factor in your depressed score. I don't know how big your student loans are, but others who have them imply that they are generally high balances. Get the line of credit and school loans paid down. Then you should see your score improve. Even though you are current on your payments and up to date, that isn't the only factor in your scoring. The balances on the accounts are a major factor. Your income is not on your credit report, by the way.