I'm doing 3 things to raise my credit score to 700

1. Hiring Lexington Law Firm to remove my negative items off my credit reports

2. Paying down my debt to increase my debt to limit ratio

3. Increasing my credit history length by cosigning on my wife's accounts


I'm on a quest for a 700 credit score,
so my wife and I can get into a home.


I started with a credit score of 588
and now my credit score is 680 and climbing.

 

Top 3 Credit Repair Companies

based on deletions, reputation, clients, price

  • 1 Million Negative Items Deleted
  • 500,000 clients
  • A- BBB Rating
  • $39/Month

  #2

  • A+ BBB Rating
  • $49/Month
  #3

  • A BBB Rating
  • $37/Month
These are the 5 factors that make up your credit score:

Payment History = 35%
Debt to Credit Ratio = 30%
Length of Credit History = 15%
Types of Credit = 10%
Inquiries = 10%

This is what I did to work on all 5 areas and improve my credit score.

Payment History
35%

I hired Lexington Law Firm to remove my negative items on my credit report.  You can do this yourself, but I'm happy I hired Lexington.  They did a great job.


Debt To Credit Ratio
30%

I have been on a budget and been paying down my credit cards.  I have also increased the limit on a couple of cards when my score was high enough to apply.
Credit History Length
15%

I became an authorized user on some of my wife's good credit accounts.  This increased my credit history length.
Types of Credit
10%

I got on some of my wife's merchant store cards to give me a some more variety in my credit.

Inquires
10%

I had Lexington Law Firm change some of inquires from hard to soft so they wouldn't affect my credit score anymore.