April 2018 Steve Landers @steve.landers.7587 I know this post is a couple of years old, but maybe someone else can answer this question:  She says that the loan officer told her not only to Pay your bills on time. If you’ve missed payments, catch up. If need be, set up automated reminders when payments are due. Or set up automatic payments from your bank account. Let’s say Jason and Betsy both increased their credit line by $500. Jason’s balance was at zero, so he now has $1,000 in open credit that’s not being used. Betsy’s credit line was maxed out at $500, so the new credit line increase only gives her $500 in available credit. So, they both performed the same action, but will have very different outcomes. How will this business make me money? Check Your Credit Report for Errors steffanyhapp Insights My Credit Score 43 I would also look into what is called a share secured loan.  You basically open an account with $1000 and loan it to yourself by paying installment payments (always on time!!!).  These two products alone put me into the 695-705 range, all within 6 months.

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