What is the best way to fix my CREDIT SCORE?

I think my credit score is funked up. I used to own a house and I missed a payment or two when I was laid off from my job. I sold it and I paid off all my credit cards. I recently applied for a credit card and was denied. I need to fix my credit score. Any suggetions? I dont have any bills because I PAID OFF ALL MY CREDIT CARDS. I cant even get credit to pay down the bills early.

Asked By: Dr. Rockso - 11/30/2006
Best Answer - Chosen by Asker
Try this to improve your score... More
Answered By: t D - 11/30/2006
Additional Answers (13)
Start paying ur pending and upcoming bills promptly.
Answered By: raw - 11/30/2006
Pay all your bills early, not on time, early.
Answered By: amandafofanda66 - 11/30/2006
sorry i don't know but thank for these 2 points
Answered By: butterfly_me - 11/30/2006
The first thing you should do would be to get a copy of your credit report. You can go to to start this process. You can get a free copy of your report from all three of the top reporting agencies. Once you recieve them you can then see what is showing on your report... More
Answered By: Siobhan A - 11/30/2006
go to you are allowed one free credit report per year from each of the credit bureau agencies. the site also offers free sample letters you can use to request that items on your credit report be investigated for accuarcy. in several cases if you can demonstrate your earning income is... More
Answered By: hudson cliffs - 11/30/2006
You will need to pull your credit report and start challenging anything bad that's on there. While you're doing that, get a secured credit card - revolving credit is highly weighted in FICO scoring - and use it wisely. Don't apply for a real credit card until your score is in the 600s or so. However, if you have a... More
Answered By: Kevin K - 11/30/2006
Make sure your credit reports are correct... More
Answered By: Dave W - 11/30/2006
Just wait--it won't take long. You'll get an offer for a crappy credit card ($50 annual fee, bad interest rate, etc.) eventually--probably less than a year from now. Take it, and keep your payments on time and you'll have good credit in no time. I had a similar situation and it worked out a lot faster than I... More
Answered By: wayfaroutthere - 11/30/2006
Secured Credit Cards work the fastest.
Answered By: Stephanie - 11/30/2006
How can you fix your scores if you don't know what's contained in your reports or for that matter ... what your score is. Which credit report did the creditor pull? Did you have any judgments, collections, negative information? You may think that you were denied for a credit card because of the issues you listed... More
Answered By: G-Sizzle - 11/30/2006
first try and get paper work that has everything on it (you can ask a loan place for that it might cost around $5.00) then look at it and see if anything is wrong with it or what you can do to fix it it does take like 2 months for something to clear off you record if you paid it
Answered By: frosted f - 11/30/2006
The reality is, that you are likely in need of re-establishing your credit. The unfortunate part of this, is that it is a costly process, but it can be done. I would recommend that you start with whoever you bank with. Go into the branch and apply for a Secured Credit Card. Most banks will allow a card secured by your... More
Answered By: jemmy - 11/30/2006
It will take some time, but keep paying your bill on time whether it is mim. or more. It's something!
Answered By: peanut44 - 11/30/2006
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