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my credit right now is 575. i have one credit card with a $250 limit on it. i have had the card for almost a year and i thought my credit would be over 600 by now. i tried for a sears credit card yesterday and they said i was not appoved. what can i do to get my credit higher????
improving the credit score
Hi jcoe,
Welcome to this community :)
Can i know the balance on your card? You need to keep your balance atleast 30% below the credit limit. If your credit balance goes close to the credit limit, it can hurt your score. Moreover making ontime payments on credit card is very important. Thus, need to maintain that.
As you got disapproved for a new credit card, you can try to get a secured credit card. This can help you in improving your credit score. Use the card to make small purchases, and then make ontime payments on the card. this is going to build up your credit history, and eventually your credit score will improve.
Another thing that you can do to improve credit score is getting added as an authorized user. You can get added as the authorized user on your relative, or friend's account who has a good credit score. This will add up to your credit report, and thus your score. Moreover you won't be held responsible for the debt.
Thanks,
Aaron