Question by Quarine: How can i raise my credit score?
I currently have a score of 544! In the past, i did have problems with credit and no money to pay it off… Therefore, i am still paying about 2000 worth. I want to have better credit, but when i apply, they deny me. Can i raise my score without a card or loan?

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Best answer:

Answer by Steveo
When your payments and payment record are about 2 years after your troubles started, then your credit score will rise. Of course if they get better sooner, then that is a bonus. Best way to get them to rise without a card or loan is to just pay on time.

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