I know. You need a higher credit score because you want to borrow money; if you had the money to pay down your balances, then you might not need to borrow. Still: decreasing your percentage of available credit used can make a quick and significant impact on your credit score. So go on a bare-bones budget to free up cash to pay down your balance. Or sell something.
A major driver of increased scores is the decreased proportion of consumers with collection items on their credit report. A credit item that falls into collections will stay on a person’s credit report for seven years. People caught in the latter end of the real estate foreclosure crisis of 2006-2011 may still have a collections item on their report today.
There shouldn’t be any reason NOT to increase your limits if you have been in good standing for the past six months to a year. However, being denied a limit increase is a great way to find out about a possible problem before it snowballs into a headache. If you’re denied a limit increase, always find out why and correct the issue as soon as possible.
So if you want to raise your score in a hurry, pay your credit card balances way before the due date. That way, instead of reporting your balances that were due, as shown on your monthly statement, your credit card company will instead report your reduced balances to the credit bureaus (i.e. the balance left over after you’ve made your most recent monthly payment).
Once you’ve filled out the form and requested reports from all three bureaus, you’ll fill out some security questions and be directed into your report, one agency at a time. If the security questions trip you up, the website will lock you out of your report, but it will offer a phone number that you can call to get your credit report via mail. If you get locked out, request the report via mail.
Take out a secured credit card from a credit union. With Most banks you will need 300-500 to start. After you receive your card charge $15-$20 at the most. When you get the bill in, pay it by or before the due. DO NOT PAY LATE!! Do this a few times and your credit should jump about 20-30 points. When your credit goes up to where you want, you can take out the money from your secure credit card. DO NOT CANCEL YOUR ACCOUNT OR YOU WILL LOSE YOUR CREDIT. (SHRED THE CARD INSTEAD) Hope this helps. God Bless 
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If you’re hesitant for your teen to open their own credit card, adding them as an authorized user on your credit card account may be the best option. You can easily monitor their spending through statements and online banking. While they piggyback off your credit, you can continue to benefit from the same perks your card offers and even earn rewards on their purchases — if you have a rewards card.

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If you have poor credit and need to consolidate your debt, you should know your rights, so you can avoid being bullied by your creditors. Homeowners with poor credit should carefully consider whether or not their credit has improved since the original mortgage was secured. This is essential because mortgage consultants who specialize in obtaining mortgages and re-financing for those with poor credit will likely be very knowledgeable about the types of options available to the homeowners.
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What to look out for: If you decide to take out this card and become a member of the SDFCU by joining the American Consumer Council, make sure you do not go to the ACC’s website and submit a $5 donation. That fee is waived by the SDFCU when you fill out your credit application. Simply select “I do not qualify to join through any of these other methods:” and select the ACC from the menu to avoid the $5 fee.
Credit repair is legal under federal law. So, you can legally repair your credit on your own no matter where you live in the United States. Federal law also protects your right to retain legal representation to make disputes on your behalf. This means as long as you retain the services of a state-licensed attorney that you authorize to make disputes on your behalf, then credit repair services are legal, too. Just make sure a credit repair company has at least one attorney on staff that’s licensed to work in your state.
The mix of credit you have is 10% of your credit score. The credit-scoring model favors people who have both revolving lines of credit (credit cards) and installment credit (auto loans and mortgages), or a “mix” of the two types of credit.   If you only have credit cards listed on your credit report, this can hurt your score. Consider applying for an auto loan or a mortgage, and make sure the lender will report the account to the credit bureaus.
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