Question Details

Jody, Other/Just Looking in Hesperia, CA

what is the fastest way to boost your credit score?

Asked by Jody, Hesperia, CA Fri Sep 25, 2009

Help the community by answering this question:


Working with a professional reputable company can help you get results. Financial Education Services (FES) provides credit restoration, as well as other ways to boost your score. For example, a VR-Tech Prepaid Mastercard lets you build your credit history, even if you start with a low score or no credit history.
Web Reference:
0 votes Thank Flag Link Thu Nov 4, 2010
Pay off your collections , increase your your credit limits and keep your outstanding credit card depts to 10% or less of there total credit avalible. Inspect your credit for any miss statments as old dept may be paid but is not being reported as such.
0 votes Thank Flag Link Thu Nov 4, 2010
I have known George, the owner of EMG and have been referring clients to his firm for 15 years. He and his team do a fabulous job and I have never had a client whom I referred that was not very pleased with them.

Here are some news articles that you appreciate…
Web Reference:
0 votes Thank Flag Link Wed Nov 3, 2010
Paying off debt and/or collections. If you have late payments on your credit there are companies you can pay a monthly fee to who will work at getting those late payments removed. Be careful though, as some companies do not guarantee results. Do a google search and also search for reviews on a company before using their services.
0 votes Thank Flag Link Thu Oct 7, 2010
Hello Jody and thanks for your post.

In a nutshell, the fastest way to boost a credit score is to pay off debts. If you have any outstanding debts or debts that have gone into collection, pay those off, and the score can increase by as much as 20 pts immediately. However, if you need more than a 20 point boost to get a loan, you will need to work on your credit over time--usually 6 months to a year--in order to increase the score and counter balance any negative comments.

Wikipedia has an excellent article on their site regarding the 'components' of FICO scores. You can also talk with a credit counselor to view your personal credit history, determine what items are causing the greatest negatives on your score, and to chart a path toward credit repair.

Good luck!!

Grace Morioka, SRES, e-Pro
Area Pro Realty
San Jose, CA
0 votes Thank Flag Link Fri Sep 25, 2009
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer