How to fix credit score of 450?

I have tried all the internet quick fixes and nothing has worked. I became very ill and had no insurance and it killed my score, and suggestions?

How to fix credit score of 450?

Having a good credit score now is more important than ever so I%26#039;m glad to know you%26#039;ve taken an interest in fixing your financial viability!

Here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year:

1. Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed below. It really helped my get my score up.)

2. Never Miss a Payment, Starting Today

3. Never use more than 20% of your Available Credit

4. Keep Credit Cards that Have No Annual Fees Open For as Long as Possible

5. Extend Your Credit Limit on Cards You Already Have before You Get New Ones

6. Get Credit Cards that Have CashBack Rewards to Contribute to your Balance

7. Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-

8. If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan

9. Take out a Small Personal Loan and Repay it Over a Year

10. Ask Someone With Good Credit if They will Account Shadow you

When you%26#039;re trying to build a solid credit score it%26#039;s important to get a comprehensive view of what is actually effecting it...

Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:

* 35% -%26gt; History of Payments

* 30% -%26gt; Debt to Credit Ratio (available credit)

* 15% -%26gt; Credit History (length of open accounts)

* 10% -%26gt; New Credit (are you expanding your credit)

* 10% -%26gt; Credit Types in Use (varied credit types from loans to credit cards)

If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score.

You can read more about these tips on my blog: How Can I Increase My Credit Score

* http://millionster.com/articles/debt/inc...

Hope this helps!

How to fix credit score of 450?

Can you add details on how your score is so low?

This is what confuses me. Some people say don%26#039;t pay others say pay..

I hope this country decides to give us better health care options! It%26#039;s getting ridiculous!

If I were to become sick or needed to see a doctor, this will break me as well! And yes, I am employed full time too!

How to fix credit score of 450?

REGARDLESS OF HOW YOUR CREDIT SCORE BECCAME LOW. DO NOT PAY OFF COLLECTION ACCOUNTS UNLESS THEY HAVE AGREED TO DELETE THE ITEMS. Do not negotiate any credit account unless it is going to benefit you. Medical Collections will kill your score and unless you have to money to pay in full, many will not take it off of your credit report.

How to fix credit score of 450?

Make as many payments as you can. Try to pick up extra hours at work, sell your stuff online if you can. Just pay off that monthly payment each month, and try to make more than the minimum payment. There are no quick fixes when it comes to credit. It took time getting into debt and it%26#039;ll take time getting out of it.