How can I get my credit score higher quickly?

Credit score help! How can I get it higher?

• if I only charge $5 a month onto a credit card, will my credit score go up at the same rate as it would if I paid off $500 each month? If you get what I'm saying :)

• Answer:

  There is a trick to getting that 800+ score, and I did it with credit cards alone, and I never paid interest. I charged a little something (like you are), like gas or food. I paid in full each month, never paying interest, and paying the day I got the bill in the mail. Do this for about 6 months - you'll be nicely rewarded. Don't ever give a bank a penny interest - they don't deserve it. Now, as to that late payment. I read a lot about the fico (the big secret), and I think I read that although a late payment stays on your report for 2 years, that it drops off your score after 6 months. Fico never has released their formula and never will, and I'm not sure if this is right. Google Fico score estimator - see what you get. I am proof this works - just give it time. Keep the Buckle card open for life - even if you don't use it. Lenth of credit history is 15% of your fico. But if they ever charge you an annual fee - get rid of it. /