[hyg71886]

Hi everyone, I just got my credit score right now and it is 595 which is terrible, I am in the process of disputing some claims as well as trying to fix others. What do I need to do to get my credit score back up? I am looking to get a house in 2010 and with my credit score that low will only insure me of a high down payment and interest rates.

[Hedwig]

Don't just get the score, and don't work from the trimerge (3-in-1) reports that you get from the internet sites.

Order your reports from each of the bureaus individually. Then go through and see what is wrong with each tradeline. Dispute the incorrect information with the credit bureaus.

The best way to raise your score is to keep your accounts active, keep them paid, and keep your utilization to under 30%. With two years until you want to get a house, you have time to build your history.

[hyg71886]

How do I make a request from all 3, and what do you mean but utilize less then 30%?

[Hedwig]

Go to each of the bureaus (Experian, Equifax, and TransUnion) and request a report by mail. If you do a search you will probably find the phone numbers for each.

When I say utilize less than 30%, that means that your balance should be less than 30% of the available credit. So if you have a credit limit of $1000, you should use about $300.

[apexcrsrvc]

In addition to attempting to remove derogatory information (pinpoint data fields within the tradelines for future use) you must also procure new credit or aged credit (more beneficial for immediate score increases).

Credit restoration is actually simplistic. Remove the bad as much as possible (or litigate if need be) and add the good.

An aside, a 595 isn't "terrible." That is actually decent for your purposes and you should be okay once you learn what you're doing.

[inspireduk]

If you want to do it yourself , there are some rather usefu; tips on here. Just use search function mate