How to raise your credit score after credit cards are paid off

August 30, 2011 · Posted in Credit Repair

How can I raise my credit score once both of my credit cards have been paid off? I don’t plan on using either one of them unless it’s an emergency, but I don’t know how to keep raising my score after that. Is there a way to get negative reports taken off my credit report?

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Tags: credit cards, credit report, credit score

Comments

bdancer222 August 30, 2011 at 10:31 pm

Instead of just saving those credit cards for an emergency, use the cards for regular purchases and pay the balance in full every month. This will give you good payment history and avoid interest. You have to actually use those cards to continue building your credit. Inactive cards do nothing to help.

Derogatory items age off your credit report 7-1/2 years from the date of first deficiency (default). This is per the FCRA and nothing restarts this clock. There is no way to get legitimate negative items removed from your credit.

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- Layla from skin care products for women October 18, 2011 at 12:57 am
  
  bcancer222 is right.
  I have credit card and I used it for two years until now.
  My credit score really increases.
  
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Suzanne September 16, 2011 at 3:01 am

I have a sister who will need this post…This is regarding her credit score…
Suzanne´s last [type] ..glass blowing

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Amy December 5, 2011 at 3:15 am

I just recently activated my first credit card and as a first timer, I gathered some facts about it. I really needed the answer of this inquiry. Thanks for posting it!
Amy´s last [type] ..£30,000 fine for mortgage broker

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