How do you build your credit rating up from a poor rating?

is their a fast and painless way?

How do you build your credit rating up from a poor rating?
well you could go one of 2 ways. Have someone cosign a loan for you. Or apply for a credit card that deals with problem credit like orchard bank and make sure you pay your bills on time. And they report to the credit people. And it will slowly be restored.
Reply:Right off the bat - the first thing you can do is dispute any negative credit items you have, and then slowly build up positive accounts. There are completely free templates for this as well as a free credit repair guide at http://www.CreditDisputeLetterTemplates....
Reply:Appy for a credit card and try using it for only small purchases, something that you will be able to pay in full when the bill comes due. This will show responsibility and a good payment history. This site offers cards to people with bad credit.





http://morecreditoptions.NewCreditApplic...
Reply:Pay your payments on time and pay more than the minimum. Get a credit card and leave it open but do not use it or use it but do not use over 40% of the available credit and make payments on time. It will build your credit fast.
Reply:Do whatever you can to get a credit card - secured or non secured, Make all payments on time. On time payment history is a large part of your credit score.
Reply:Not even winning the lottery will help u build it fast. it took awhile to destroy it, so it will take a while to rebuild it.
Reply:no





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