If you are looking for ways to increase your credit score then you have come to the right place. We’re going to go over some ways to increase your credit score so that you can get the score you want for a home loan, car loan or other type of credit. Increasing your credit score isn’t easy, it does take some work, especially if your credit is poor right now. However, it doesn’t take as long as people think and you’ll be surprised how much control you really have over improving your credit score, and how much you can raise it by doing some simple steps.

When talking about credit we should be grammatically correct and say increasing your credit scores, because there are actually three of them that we have to worry about. Most finance and loan companies only pull from one bureau but since you never know which one it is best to improve all three at once. Most of your debt or good payments gets reported to at least two and sometimes all three credit bureaus. The three bureaus that will make or break you as far as credit approval are Equifax, Transunion and Experian.

There are several ways to increase your credit score but the most common is obviously, once you get credit pay your bills on time. If it is already too late for that then there are some other things that we can do. If you have a whole bunch of old debt there are a couple of tricks that we can use to increase your credit score quickly which we’ll cover shortly. We’ll go over first ways to get rid of the bad credit, whether its old or something recently acquired. One thing before we start. If you have any current debts that have not yet been reported, make a payment arrangement. Even five dollars a month may keep them from ending up on your credit report.

Okay, so the first trick as to how to raise your credit number is to dispute any inaccurate information on your credit report. We do this for two reasons. One is to get the inaccurate information fixed. The second is less well known. When a credit bureau receives a dispute from a consumer they contact the company that placed the information on the report. If the company doesn’t respond within 30 days then the bureau is required to remove it from your credit file. This can do a lot for your credit score, if there is inaccurate information on your report.

Once you have disputed and made arrangement or paid off the other debts then you can work on getting your credit score up by applying for something to get you good credit. One thing you can do is to get a secured credit card. These cards work just like regular cards and report to your credit except they require a cash deposit in the amount of your line of credit. You can go that route if you’d like. Another thing that you may not know is that nearly any car dealership will finance a car to you if you can put half down, even if you have poor credit. These are all great ways to bring your score up.