I raised my credit score by over 100 points in a year last year. I had relatively little credit, and had an outstanding account on my record I wasn't aware of. I applied for 2 new credit cards, and 3 store cards, and wrote an appeal to the collections agency that if I paid the outstanding balance (was only like 60 dollars), that they would DELETE my negative mark (not mark as paid, but wipe from the record).
After maintaining good payment on the 5 new credit cards I had (for a total of 6–3 standard credit cards and 3 store cards), as well as having 0 negative marks on my record, I increased my credit score from 615 to 724 average.
That was about 6 months ago. I now have a credit score of 768 without changing anything... just paying my cards in full each month and letting the banks increase my credit limit periodically. I am only 24 and do not have a mortgage, student loans or anything else that would be beneficial to my credit score... this was all done with cards only.
According to projections on credit reporting sites, I will have over 800 credit score by the beginning of 2010 just by continuing the path I've taken! Awesome!
thanks to:
[email protected]
text: +1 717-454-3841
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