Incease Credit Score?

[Rider]

Originally Posted by ontwo

120 points will take a while.

And getting MORE credit will not help. The more available open credit that you have will LOWER your score. Also, everytime you try to get said additional credit, the bank will pull your credit again and that LOWERS your score.

The only real solution is to get a copy of your credit report. First, pay any outstanding collections or judgements. Next, catch up any payments that are currently past due. Next, make sure everything on the report is accurate and dispute anything that is not.

Other than that. Maintain PERFECT pay history, and the rest will just take time.

100% false. They look at you available credit and the % of what you are actually using.