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Improve Credit

Improving your credit score takes time. Even when you pay off debt or resolve public records such as bankruptcy, your score may not immediately improve.

How To Improve Your Credit

  • Pay bills on time
  • Keep balances low
  • Pay off debt
  • Don’t close unused credit cards
  • Apply for and open new credit accounts only when necessary
  • Review your credit report three months before big purchases
  • Use your full name on credit applications
  • Correct inaccuracies

Paying off a Debt Early Won’t Help Credit Scores

July 14, 2016

Dear Experian, I have a friend who took out a personal loan just so she could build up her credit. She's nearly 40 with no credit. She still has six...

Bad Credit Even Though Bills are Paid on Time

September 10, 2013

Dear Experian, Why is my credit bad? I paid every thing on time. - WOD

Making Multiple Payments Can Help Credit Scores

August 17, 2013

Dear Experian, I tend to make more than one payment per month on my credit cards accounts. Will this raise my credit scores? - STA

How to Make a Very Good Credit Score Better

August 16, 2013

Dear Experian, I have an 805 Experian score. I know that's a good score; however, I am a competitive person and would like a higher score. I have the financial...

Improving Credit Score Without a Credit Card

October 12, 2011

Dear Experian, How can you improve your credit score if you don't have any credit cards? - HQB

How to Restore Your Credit Score

July 6, 2011

Dear Experian, I just paid the last bill off my credit in May of this year. If there is nothing else for me to pay how does my credit score...