I need to repair my credit as soon as possible.....
How can I raise my FICO score?
One great way to repair or build credit fast is to get a secured VISA or MasterCard. A secured credit card is one in which you open up a savings account with the card issuing bank. This savings account is used as a security deposit for your credit card. Your credit limit is based on the amount that you deposit into the savings account. Once you have established a good record of payments on the credit card, the savings account funds are returned to you. Only use this secured credit card for gas or a few small purchases each month. When you get your bill, pay it immediately but overpay it by about $10 - $15. That way you always have a negative balance. The FICO system accelerates your credit rating quickly by doing this. Just make sure that you NEVER are late on making that payment. This method worked very well for me when I had very bad credit. After receiving my secured credit card, it took about 8 months before I was receiving pre-approved non secured VISA and MasterCard offers from large banks.
More info on this topic here......
http://fixingyourcredit.blogspot.com
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How can I raise my FICO score?
I agree with top, my score is about 515 and want to make it to at least 650, the best way i think i can do it, is with a secured card. If you get one make sure you make it automatic payments monthly, that way you dont forget to make a payment.
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