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Answers:
First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
pay you bills on time,Sparky.
easiest way is pay your bills on time and never be late.
there is no such thing as quick.
There is no such thing as a quick fix when it comes to credit. Start by getting a copy of your credit report. Call the companies on your credit report, and try to come to a payment agreement with them. Many companies will offer some help.
IMHO (in my humble opinion) - Start earning money
There are enough books which teach you that
e.g. you could start with "The richest man in Babylon" or "Rich dad, poor dad"
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