How do I improve my credit score? ?

Question

I honestly didn’t know anything about credit until I ****** up my own credit and had to learn it on my own & still have no good idea how it works or how the points come and go and all of that. I have bad bad credit because of stuff I did while I was 18 I am 23 now & want to at least start to make it look good I want to be able to buy a house & a car. What exactly could I do to improve it? Also will getting creditors to pay to delete help improve it?

28AKO · Answer

it's a watse of time trying to pay to delete. if they don't send you a document agreeing first b4 you pay they're going to delete account if you pay then it's a waste of time. pay your bills on time and

Anonymous · Answer

In 7 years from the last activity the bad stuff will fall off. In the meantime, get a discover secured card and pay on time.

Secured means you send them money...$200+ and that is your credit limit. After a year or so of paying well, they will send the deposit back and it will no longer be secured.

I would not bother with your old stuff as it will be gone in 2 years.  And most won't do a pay for delete.

StephenWeinstein · Answer

You do not improve a credit score by doing something.  You improve a credit score by doing nothing.  You must decide whether to improve the score or to do something, because it cannot be both.

Trying to pay to delete will not improve it, and may make it worse, because if you pay creditors to delete, that does not guarantee that anything will be deleted, and may make it stay on your credit report for longer.

Things are supposed to be deleted automatically after 7 to 7 1/2 years IF you do NOTHING.   If you do anything at all to try to get them deleted, then they might stay on your credit for longer, until up to 7 to 7 1/2 years after you stop doing things to try to get them deleted.

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How do I improve my credit score? ?

3 Answers