Did you ever have bad credit before?

[meme25]

I have bad credit and I'm trying to get advice on how too work towards getting my score up?

[SaoirseS]

I haven't had "bad" credit, but early in adult life the scores aren't going to be high due to lack of an established credit history. That takes time.

To fix your credit problems and raise your score, the simple solution is to find out what's causing them to be low and fix those items. That will take time as well.

Some things that cause scores to be low:

Charge offs, or when a creditor sends debt into collection (or if a car gets repossessed).

A history of late debt or bill payments.

Excessive credit card debt. That probably affects most people with credit problems.

Have you looked into the derogatory marks on your credit report

[Blackcupcake]

not sure what that means since we don’t have the same system here.

[Anonymous]

Not been a problem for me and cross fingers never will be.

However, I'd suggest (if you are disciplined) getting a credit card, use it for little things and always pay it off each month. They like you to have some debt and they love to see you manage it well.

They also like to know where you live. If you live in a stable address and they know it, that helps too.

A steady job and wage really helps of course.

Be careful of your associations. Your partner can help out hinder your efforts if your financial records overlap.

I use an app called credit karma to keep an eye on things. It might point out a few options for you.

[Alcoholic_Wannabe]

Step one: Pull up your credit score.

Step two: Look it dead in the zeroes.

Step three: Give it the finger.

Step four: Focus on things that matter.

[Anonymous]

no not really something i've ever had to deal with despite being unemployed at times , never really owed large amounts of money

[Brando10222]

I don't have a credit card. Not into it.

[Wise4myage]

No at least not yet anyway.

[maximumpower]

Look up "Dave Ramsey."