Credit card interest is among the highest interest a financial consumer will pay for credit or a loan, so it makes sense to focus on getting your credit card payments down first. As the key to good credit is paying your bills on time, keeping account balances low, paying off high-interest cards first, and taking out new credit only when you need it, are all good moves for credit card consumers looking to increase their credit scores. Focusing on credit card debt is a great way to boost your credit score, as lowering debt, lowering card balances and making payments at a faster rate are solid ways to hike your credit score right away.
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.
Thank you for sharing all the specific things you did to help your daughter. Your advice has made a world of difference! Most articles and blogs were saying the same vague things, but you shared your exact plan of action. I referenced your comments continuously for our gameplan to increase my husband's credit. In 11 months, his score went from 592 to 754! We are thrilled and now getting other areas of our finances in order (savings, 401k, etc). Hoping to buy a house in the next few years and needed to improve his credit score. 
You have the right to review your credit report at no charge if a request is made to the credit bureau within thirty days after receipt by you of notice that credit has been denied. If such request is not made within the allotted time, the credit bureau must provide the approximate charge to you for a copy of your credit report for your review (For MD residents, a maximum fee of $5 may be charged). Federal Fair Credit Reporting Act (15 U.S.C. § 1681j)
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