Question by Star: What is the quickest way to raise your credit score 100 pts?
We are working our way to buying our own home and only have 50 pts to go to get approved, but I would like to raise it a little more than that so we can get a little better rate. Would it be quicker to get a secured credit card that reports to the credit bureaus or is there a better way?
I have several judgements (civil small claims) from landlords in the past, and also some collections, mainly from the hospital bills. Is it true that both of these will stay on your report wether you pay them or not? I have heard that sometimes when you pay off everything it actually lowers your score even more…
Any advice is appreciated.

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Best answer:

Answer by beccasmom99
Well, I don’t know if it’ll work or not, but the quickest way is to dispute all the negative items and see if they can validate the debt. They have 30 days and if they fail to, it comes off. The down side is you’d be surprised how many will. I had a company validate that a five year old debt (that really wasn’t mine) was mine. I finally got it removed, but it wasn’t easy.

Other than that, make sure balances are below 30% of your credit limits and continue paying on time.

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