InCreditWeTrust wrote:Keep in mind there are a number of factors that determine your credit score.
1) Credit Card Utilization % (General rule is stay less than 50%)
2) Derogatory Marks
3) Payment History (pay your bills on time)
4) Age of Credit History (The higher the age usually the better, this you have no control over*)
5) Credit Inquiries
The biggest thing you need to do is reduce your credit card utilization rate as others here have suggested. Second thing make sure to pay your bills on time. Overtime, you will see your credit score rise up. Note the first three factors have the highest impact on your credit score.
*Unless you cancel a credit card bringing down or up your average credit history depending on the age of card.
Well that will be the first thing I will be doing is bring all my balances to $0,Pay off my judgement (I guess I would need to send a letter of satisfaction to all 3 CRA's) And I been paying all my bills on time So now I will see how the score goes once that's all done