Improve Credit Score How
How do I improve My Credit score?
I just checked My Credit Score - it is (embarrassingly) in the high 500s. Yes, it sucks.
There's nothing really terrible on my Credit Report - no bankruptcy, no collections. I was late 30-60 days a few times, but that was back in 2003. Everything has been current and paid on time since then. I believe the thing that is lowering my score is my credit usage/utilization - almost 100%. I have about 5K in CC debt on 3 CCs.
Now that I can afford to pay this off slowly, would it be better for me to pay off one CC at a time or a little off each one, gradually paying all 3 off? Does it make a difference?
I don't think there's really much more I can do to Improve My Credit Score except to pay off this balance and increase my available credit. Would it help to get a secured card with a high credit limit (which would increase my available credit)???
Help me please.
YOU COULD GO GET IT CLEARED.
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