Your Questions About Improve Credit Score 100 Points http://bit.ly/niKn9t Ruth asks…Is it possible to improve your credit score by 100 points or more within a year?I don't have a large debt and I do not have a lot of credit card debt. My debt, all together, is probably under $5000 most of which is from hospital bills. My credit score is 555 and I need to fix this. I really need a new car and I would really like to buy a home.Credit-Repair-Guy answers:Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.comSteven asks…How can I improve my credit score by 100 points in the next 60 to 90 days?Credit-Repair-Guy answers:Reading text to resolve a question or achieve directives does not work with credit repair/improving. Analysis, followed by actions known to improve FICO, along with disputes of negative tradelines, and some ways to add points if feasible to the consumer. Easy to go from 620 to 660. Harder to improve from 720 to 760. Nearly possible to jump from 520 to 560; a score under 600 denotes derogatory items, their removal will get you into the 600's. Manipulation of balances is your likely solution. Statement dates, reporting dates, date of last increase, etc.Lizzie asks…What's a quick overnight, so to speak, way to improve your credit score by 50 to 100 points?I was told that paying your credit card balances down to under 50% of your limit could dramatically increase your score. Is this true and what are some other methods to gain some credit points quickly?Credit-Repair-Guy answers:It depends on your situation. Paying down debt is always good to do, even if you can reduce it by a little. But it depends on a lot of factors how much it will improve your score by paying it down.

For example, if you were at an 80% utilization and paid it down to 50% it will help your score more than if you were at 55% utilization and got it down to 50%. However, creditors generally don't want to see your utilization over 30% over all of the cards for the best effect in your score.

Another major factor is your payment history. If you have any accounts in collections or past due you have to get those current. The only thing worse than a collection account on your report is Repo's or a Bankruptcy.

Make sure everything on your report is correct. If it is not you have to dispute it with the Credit Reporting Agencies to have it corrected/removed.

You can "piggyback" onto someone else who has a perfect history. That is when you have them add you as an authorized user and their account now shows up on your report. The problem here is that this loophole will probably be closed in the next few months as the main scoring system FICO stops calculating these type of accounts into the scoring.

Other than that, you just need to make sure you pay on time, every month and don't apply for credit unless you need it.Charles asks…how does one improve his credit score by 100 points?due to opening accounts and closing a few it messed with my credit score...i know have 2 open accounts with 1 having a high balance and one with a low....starting this month i finshed paying off 1 account...a 2nd with high balance and putting 15% payment of it per month,,,and the other one paying 20% of it with low balance...were will be at 6 months? or more?
my one account is about 55% in use and is already coming down to to 50%...it was emergency situation and balance trasfers.....like i said i have it control...and paying it off in huge amounts.Credit-Repair-Guy answers:The only way to improve your credit score is to first use credit then pay it off quickly. The faster you pay off your accounts the better your score. Late payments can stay on your credit report for years and therefore will lower your credit score. The best way to correct this is through time and establishing yourself as a good credit risk. So... Pay off those credit cards fast!Chris asks…any secrets to quickly improve my credit score by 100 points?!?Credit-Repair-Guy answers:Let me chime in with the first legitimate answer. A solid credit repair program should be able to net you about 90 points within 90 days if you have poor credit currently.Powered by Yahoo! Answers