Credit utilization is how much of your available credit you are utilizing and contributes significantly to your overall score. It’s calculated by taking your total credit balances divided by your total borrowing power. Why is it so important? Lenders want to see that you aren’t using so much of your available borrowing power that it becomes a challenge to pay everything back. Best practice is to keep your credit utilization below 30 percent. To improve your credit utilization quickly:

Join Our FREE 8,000+ Members Only Credit Community and have access to industry leading tradelines that post and are seasoned 5 to 36 years! Up to $55,000 seasoned AU tradelines. PLUS use our fast credit sweep service to remove negative credit items, OR hard inquires so you can get funded. Get primary business tradelines up to $100K+ for faster and larger business loans and leases.
Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.


By checking the box on our application form that states: "I UNDERSTAND BY CHECKING THIS BOX AND PROVIDING MY SOCIAL SECURITY NUMBER, I CERTIFY THAT I AM AT LEAST 18 YEARS OF AGE, ACKNOWLEDGE THAT I HAVE RECEIVED AND READ THE LEGAL DISCLOSURES, FEDERAL DISCLOSURE, STATE DISCLOSURE, AND SERVICES AGREEMENT, AND GIVE MY ELECTRONIC SIGNATURE AND LIMITED POWER OF ATTORNEY FOR CREDIT RX AMERICA, ETAL TO PERFORM WORK ON MY BEHALF" you are representing and agreeing that you accept all terms and conditions as if you had physically provided your signature.

If you simply don't have a credit score because you have little experience or history with credit, you likely have a thin credit file. That means you have few (if any) credit accounts listed on your credit reports, typically one to four. Generally, a thin file means a bank or lender is unable to calculate a credit score because there is not enough information in a user's credit history to do so.
•    I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!
Adding tradelines is one of the best ways to improve credit score and usually the fastest, as going the traditional route, getting a standard bank product–getting a secured card, utilizing a savings loan that reports to the bureaus, etc–can take up to a year or longer before you are able to get approved for your own unsecured products. And make no mistake, getting a credit card to improve credit score in your own name is the best way to set yourself up for long-term credit success. People ask about primary tradelines all the time, but the best, and only legal, way to get primaries is to have them in your own name. And if you’re asking ‘how quickly does credit score improve’ with your own card, this is a semi-moot point, as once you have the approval, your score(s) may dip, but will recover quickly.
Pay off your debt instead of repeatedly transferring it to new accounts. Contact the debt collector listed on your credit report to see if they’d be willing to stop reporting the debt to each major credit bureau (Equifax, Experian, and TransUnion) in exchange for full payment. This technically violates some of the collectors’ agreements with the credit bureaus, so it may be a non-starter, but it never hurts to try.
Recent collection accounts can take up to 100 points off a credit score. Consider offering a payment in exchange for a deletion for certain collection accounts. Paid collection entries do not increase credit scores. Once you get a collection entry on your report it goes into the negative category on credit reports. A paid collection remains under the negative category.
Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.
I have had my identity stolen and when I became aware of this I was almost 7,000.00 in DEBT, so after getting many letters from the credit card companies that I did not apply for these cards and my information was stolen.  Along with a Police Report I  typed many letters and got the cards  removed from my credit report But, As this happened I watched my credit score go DOWN VERY QUICKLY, I was shocked I was the victim and my credit score just kept going down, down, down. Now I have POOR credit I did obtain 3 credit cards and always pay the card off monthly, Does this help me by paying them off every month or not?? But just a note KEEP YOUR INFORMATION THAT IS PRIVATE, PRIVATE IN A SAFE!! THE PERSON WHO DID THIS WAS MY X PARTNER OF 17 YEARS.    
Randall Yates, is the founder and CEO of The Lenders Network, an online mortgage marketplace that helps homebuyers find reputable mortgage lenders. As a part of Randall’s successful entrepreneurial career, he spends a chunk of time helping consumers understand their credit and lending his mortgage expertise to help them find the right type of loan. Randall Yates lives in Dallas, Texas with his two sons.

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After your 5 day cancellation rights have expired and our work has begun on your behalf You may cancel this Agreement at any time with 60 day notice, for any reason or no reason, by providing notification to CRA. You will owe fees for items successfully removed through the end of the (60 day) cancellation period. To cancel this Agreement, you may mail or deliver a signed, dated notice stating your desire to cancel this Agreement, including your name, or any other written notice, to CRA at 1910 Thomes Ave. Cheyenne WY 82001. In the alternative, you can cancel this contract by sending an email stating your name, address, phone number, birthdate, and desire to cancel this transaction to [email protected] You can also complete the Cancellation Notice (if within the 5 day statutory cancellation period) at the end of this agreement and return it via mail, or email.
Pay strategically: Here’s another way to look like you don’t use much or any of your available credit card limits. Try to pay off your balance, or as much as you can, before the statement closing date. The balance on that date is sent to you and the credit bureaus, and is used when FICO calculates your credit score. It doesn't mean that you have to change your spending behavior, it just means you're attacking outstanding debt earlier in the billing cycle.
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