raising credit score?

addictedtorosesJuly 17, 2013

I have a problem that nobody seems able to help me with. My credit score is between 625-665, which isn't too bad but it could be better. I pay my bills but iI do have a few old medical bills that went to collections. My debt to credit ratio is good, my credit history is short. Everyone that has looked at my credit says that it's too good for the score to be so low. One guy said he would make some phone calls to try to fix it but then he never got back to me. He said he didn't understand why the score was so low but sometimesthere was a glitch in the system. He said that he had seen 725 scores that weren't as good as mine so i don't know why the score isn't better. I don'thave trouble financing anything but I could get better rates if my score were better. Does anyone here know who i would need to call to get this mess straightened out?

Thank you for reporting this comment. Undo
jannie

Suggest you take a look at your credit report (not score). It's free once a year at Annual Credit Report dot com. Then challenge anything that's not right. The main thing (I understand) is to keep use of credit low , make payments on time, and always pay at least the minimum. If you have any old credit accounts (maybe store credit cards) keep them open. There's no one you can "call" about this. Any protests about your credit info should be made in writing. The mailing addresses of the 3 credit bureaus are readily available. It takes some time for a credit score to change. Don't keep checking. Wait a few months before you check it again. Good luck.

    Bookmark   July 18, 2013 at 8:10AM
Sign Up to comment
More Discussions
child tax credit, age 17 cutoff
I was just wondering if anyone knew the logic behind...
jiggreen
Buying a new house financial questions?
This seems silly, but I don't have anyone else to talk...
Butternut
Just because you pay your bills on time.....
doesn't guarantee you have good credit The "Paying...
myfask
Private College Savings - How much is enough?
We have approximately $62,000 saved in a 529 plan for...
RealHousewifeofNJ
help!!! advice needed asap for 2nd mortgage
I need to take out $30,000 in equity for desperately...
nene45
© 2015 Houzz Inc. Houzz® The new way to design your home™