, the 2 biggest farctos are paying on time and the ratio of the credit you're currently using to the credit you have available. It's important that you pay all your open accounts on time and keep the balances on your credit cards down to where it's no higher than 30% of the available credit. If you have collection items on your report, depending on how old they are, you may be able to negotiate a  pay to delete , which is a payment in exchange for removing it from your report. Paying charge offs and collections alone will not help your score, in fact it could hurt it, although the account would be paid. What the other posters have said is correct, it takes good credit that's reporting to build credit. If you don't have any positive trade lines open, it is next to impossible to increase your score. Another option that you can do to build credit is report your monthly bills like rent, cell, utlities with a credit bureau called PRBC.  PRBC is America's Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage and better interest rates.On-time payments for the following bills are not reported to the traditional credit bureaus: RentCablePhoneDaycareInsuranceElectricNatural GasCell Phone The only time your payments for these bills are reported to the other credit bureaus is if they're missing or late.With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC offers two simple ways to start building credit today. In closing, just a few more things to keep in mind. -Don't spend more than 30% of your combined available credit on all your cards. -Only apply for credit when necessary. -Dont close unused accounts.-Pay on timeHope this helps Thanks for reading and Good luck!
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