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29 Nov

I am now debt free. What do i do to rebuild my credit score?

I got credit cards when i was young, and as a result, have bad credit because of collections and such. I am now DEPT FREE but want to start rebuilding my credit score. What should i do?

Continue getting your reports for free once a year at
annualcreditreport.com
Try to delete items that are old - over 7 years.
Never delete your oldest account since this establishes length of credit history - 15% of the fico.
Don’t close accounts in good standing - it will reduce your overall available credit limit on all your cards.

Get a good book at your library/bookstore.
Look in the finance section for credit report repair or debt repair.

Don’t ever get a credit card that charges annual fees - credit will never be worth it.
I would rather see you getting a secured card at your local bank.
Premier bank has the most complaints and highest fees of any card I have ever seen in my life.
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3 Responses to “I am now debt free. What do i do to rebuild my credit score?”

  1. 1
    ct0809 Says:

    Don’t ever look at a credit card ever again! J/k…Get a 1st Premier Bank Credit Card, start small, pay your bill on time, and Congratulations!
    References :

  2. 2
    Judy Says:

    Continue getting your reports for free once a year at
    annualcreditreport.com
    Try to delete items that are old - over 7 years.
    Never delete your oldest account since this establishes length of credit history - 15% of the fico.
    Don’t close accounts in good standing - it will reduce your overall available credit limit on all your cards.

    Get a good book at your library/bookstore.
    Look in the finance section for credit report repair or debt repair.

    Don’t ever get a credit card that charges annual fees - credit will never be worth it.
    I would rather see you getting a secured card at your local bank.
    Premier bank has the most complaints and highest fees of any card I have ever seen in my life.
    /
    References :

  3. 3
    Max Says:

    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com
    References :

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