How I Raised My Credit Score

Updated November 18, 2014

After having a few years challenges, I found myself with an extremely low credit score...very low. Like 509 low. Deciding that I was better than that and needed to get moving forward, I set out to get that score moving up. Here are the steps I took and the results achieved. By the way, the credit reporting agency policies always change so ensure that you're always looking at updated information. My story below started in 2011 and is still running in 2012.

1. First, I got all of my scores. This costs some money, but it's a must. You have to know where you are in order to get somewhere. Also, you must have your credit report with the credit report number in hand in order to call the CRA and dispute anything over the phone.
   a. MyFICO
   b. Credit Report
   c. Equifax

2. I reviewed the Personal Information section of the report and found there were several variations of my name that incorrect. For example, there were a few instances of my full name but my middle name was incorrect or they have my middle name where my first name was supposed to be. I disputed all of these and they were all removed. I called Experian and got these removed while on the phone with a live person.

3. Also, in the personal section I found a few addresses that weren't actual residences - one of them was a box at a UPS Store that obviously wasn't where I lived. I disputed it and it was also removed.

4. With my printed credit reports in hand, I looked for any negative items that had a name or address that was just removed listed with the account. I then went to the online dispute area for the CRA and disputed those accounts. They were removed within a few days.

5. Next, I went after the hard inquiries. I should mention also that during the past few years I have not requested credit whatsoever, with the only exception being the credit card I mention in this article.  They only stay on there for two years and actually put a BIG DENT in your overall score - just one takes points away from you. I REDUCED my Equifax hard inquiries from 28 down to 3 and on Transunion, I reduced from from 8 down to 1!! I successfully achieved this through B$mpage.

6. I had one collection item on all three of my reports. It was for a small medical bill that was honestly something I did not remember. I sent Remove a Medical Collection Item Letter to the collection agency via certified mail. They replied with a letter after about three weeks stating that they were removing the item on all three of my credit reports! Sure enough after a week it was gone on all three reports!

7. I got a credit card. I made a small purchase or two per month and then always paid the balance to keep a zero balance.


My Credit Score rose to a range of 650-740 across the three Credit Bureaus over the course of one year with most of that gain in the first three months and will continue to rise!