This guide by Joshua M. Adams at Hubpages claims that no matter what your credit score is, you can raise it by 200 points within a year. I thought it was extremely optimistic at first. I’ve been working for about 2 years on getting rid of debt and paying bills on time, and my score has only gone up about 20 points. However, his method is actually pretty brilliant, and involves…just asking your lenders to take items off your credit report, of all things. Read more here:
-Pay the creditor, and request that they remove the negative information. Basically, they withdraw their submission of unpaid debt.
-Method Two: Obviously, we’re not going to be able to pay everything on our credit report in most cases, so we have a different method for dealing with these debts. You are going to dispute them. A law exists that credit bureaus must remove negative information if the customer disputes it, and the company that listed the debt doesn’t prove that the debt is owed and is correct within thirty days