Raise Your Credit Score With 8 Baby Steps

Raise your credit score with 8 Baby Steps

Baby Steps (Photo credit: Wikipedia)

Raise Your Credit Score With 8 Baby Steps

Raise your credit score with 8 baby steps if you are finally getting serious about getting your financial life in order. Buy that new car, home or just enjoy that comfortable feeling that comes from knowing that if you need money it’s waiting for you.  Before you read further: a bonus tip. You can get a look at some of the basic information onyour credit reports for free at the following sites:  Bankrate.com, Credit.com, CreditKarma.com. Creditsesame.com.  The credit scores they give you are educational scores only, not your true FICO score.  These services are free.  Checking your score this way does not cause any negative effects.  Consider it a preview to be used to get your feet wet before you proceed to get down to business for real improvement.


  1. Get your Equifax, Experian and Trans Union annual free reports from annualcreditreport.com either on line, over the phone or by asking for them in writing.
  2. Examine them without fear or favor for mistakes.  Anything that cannot be verified with 100% accuracy must be removed after you file an objection.
  3. Object to mistakes in writing.  Certain legal rights are waived when you object on line.
  4. Don’t obsess about older matters.  You can learn how to deal with them by reading my other blog entries or my book after these baby steps are completed.  Don’t pay the older bills off without a written promise to delete.  If you do, the payoff date may be reported as your new date of last activity.  This does not restart the 7 year clock on most debts.  That 7 year clock runs from the date of first delinquency.  Freshening it up to the computer’s algorithm will hurt your credit score significantly.
  5. There must be no more late payments on credit cards and other bills that are reported to the credit reporting agencies.  You are going to start a clean track record from this moment on.  Your recent responsible behavior is weighted more heavily than matters from the past.
  6. Do not open unnecessary new lines of credit.  This will lower the average age of your accounts and create an unnecessary new inquiry.
  7. If you must purchase a new appliance, item of furniture, car or the like and you don’t have an installment account, start an installment account to expand your mix of credit.
  8. Pay down the balances on your credit cards as much as you realistically can without leaving any one card too close to its limit.

You don’t need to let the Process Overwhelm You

I decided to write this entry about how to raise your credit score with baby steps because I realize that the whole process of trying to achieve a great credit score can seem overwhelming to the newbie.  Don’t feel like you are alone in this feeling.  Don’t feel like you’re alone if you’re afraid to even look at your credit reports.  For many it is like not wanting to go to the doctor or dentist for fear of what you may find out.  There is always a certain satisfaction that comes when we face up to potentially bad news that we have been avoiding.  It may not be as bad as you fear.  Things you thought might be on your credit reports may not be there at all.

It is my belief that if you start with these baby steps you will get into the spirit of learning more about the process.  That’s why I’m here to help.  You know it is more complicated than this.   Once you do these things you will have a firm foundation on which to build a score that gets better and better.  You will find the process to be an interesting challenge. Think of the sense of accomplishment you will feel as we work together to make your score grow into an excellent rating.

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After practicing law for 37 years Edward F. St. Onge, Sr. now devotes all his time to helping consumers achieve a high credit score with amazing speed. Learn the counter-intuitive secrets to credit scoring through his down to earth instructions backed by extensive knowledge of the laws and trends. All of the latest tricks and techniques that they don't want you to know now at your disposal. At last a level playing field for the consumer!

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