What's the best way of improving your credit score?

there is no best way to improve your credit score you can only maintain the credit score by paying all your commitments on time it will make no difference what you pay off first the only thing the credit agencies record are the facts that they all get paid on time

Personal credit needs to be sorted out by paying off all negative-reporting accounts. After that is done consider getting a business credit profile. By having a business profile your business can have a business credit score and can take out loans separate from you (within some limitation).

Building business credit and finding companies that can help you take out TRUE business loans can be done online. Begin your search via google or yahoo, search for "strong business credit" (just like that in quotes) for a company of choice. Keep in mind that this will have a cost greater than $1000.

Best of luck.

Ilya Bodner

Small Business Owner

first the overdraft of course. between the loan and the credit card, it would be whatever one has the highest interest charge. that way, you aren't adding more and more than you need to. i brought my score up over 100 points in 12 months, but you need to work at it every day. pay at least $5.00 more than minimum due for every payment. it always shows up good, and shows as "paid more than minimum due". then, at the same time, save money by putting it aside. when you get a big amount (say you owe 4,000... big as in 2500) put it ALL on one account. that will boost your score substancially! when you have almost everything paid off, only keep your amounts at 30% or less. (if your card has 10,000 on it, keep it at a balance of 3,000 or less) that keeps your credit going strong, and makes it climb the ladder too. don't take alot of money out with credit cards. try to use cash as much as you can. if you pay for bills with credit cards, pay it, but then immediately send that same amount to the credit card holder. it keeps your credit open without closing when you have no balance as well. don't close unused accounts, that brings your score down (stupid, i know) but make sure once a year you put about $5.00 on it and pay it right off.... like in a store buy something and then walk over to another register and say "i want to pay this much" handing them the receipt.

this has worked GREAT for me. my score is 800's

Pay your bills on time. Do not exceed the credit limit on your credit cards. Do not carry a large balance on your credit cards. It hurts your credit if you have 20,000 in available credit and you are using all of it.

I don't think it matters if you pay off a loan or your credit cards first.

Good luck.

Try Financial Destination, My brother in law had a bankruptcy and 6 other items deleted. They will also give you a plan to get your debt paid off faster.

Go to www.FDIRep.com/Lbn

If you have any questions, my information is on the website.

If i were you I would go to the bank and talk to your banker about credit builders.