How can I rise my credit score?

I would be very leery of any company who claims to do this. They cannot do anything (legally) that you cannot do yourself. There is a lot of information on this website on how to do this yourself.

First, you need to get a copy of all three of your credit reports and find out what is on there. If there is anything wrong, you can dispute it and try and get it removed.

Run very fast from companies that charge you money to raise credit scores. You only need about a 620 score to qualify for a mortgage.

Clean up the credit you have.

I agree. Request your 3 annual credit reports and start looking for mistakes. You can read a lot of information on this site that will tell you what steps to take and how to do it all for free. Although you can't legally erase debt you owe, you can get information corrected and get rid of some of the collection accounts should the company not be able to validate them.

Also make sure that you are paying everything that you have now on time, it will help establish a good paying history. Some companies will look at the age of problems on your credit report-for example if you had a lot of problems 5 years ago, but everything recent looks good, they may be more willing to help.

Chrissy

other then fixing mistakes one of the fastest ways to raise your credit scores is by paying down credit card debt if you have any. Try to keep credit cards below 30% of the available credit and if you have 2 the ideal for scoring is supposed to be have 1 at 0% and the other at 9%.

""http://www.myfico.com/CreditEducation/ImproveYourScore.aspx"