If money is not an issue, what is the best way to increase my FICO credit score?

Please help me with suggestions on how to raise my FICO credit score. I understand the rules of improving this and am not looking to break any laws, just want some guidance removing negative items and boosting my scores. There's no use crying over spilled milk so discussing the reasoning for receiving these negative items is moot, I just want help fixing the problems. I live in California and am not sure if that makes a difference with advice.

I would like to lease a car in the next few months and recently checked my credit score for all three bureaus and saw some possible negative items. The items that are potentially decreasing my score include: collections agency for medical bills, tax liens, small business credit cards closing and affecting my personal credit, and standard bills that were paid later than 30 days.

Are there things i can do to boost my score? Open additional credit cards? Secured credit cards? Credit lines? Any positive work I can do to improve my credit is appreciated too.

What are the quickest options to possibly remove any items? Are there attorneys or specialists who can help with the heavy lifting of improving credit scores? I know there are credit repair companies like "Lexington Law" which I tried without much success. They didn’t work because they don’t offer much customization and you either fit in their preselected categories or not. Some of my negative items are borderline cases and I would rather pay more money for individual help and have a dedicated attorney giving me personal attention.

Serious, constructive advice is much appreciated. Thank you!

Categories: Improve Credit Score  |   Tags: attorneys, borderline cases, business credit cards, collections agency, constructive advice, credit cards credit, credit repair companies, customization, fico credit score, guidance, heavy lifting, improving credit scores, medical bills, money, personal attention, personal credit, small business credit, spilled milk, tax liens  |  5 Comments »

If money is not an issue, what is the best way to increase my FICO credit score?

Please help me with suggestions on how to raise my FICO credit score. I understand the rules of improving this and am not looking to break any laws, just want some guidance removing negative items and boosting my scores. There's no use crying over spilled milk so discussing the reasoning for receiving these negative items is moot, I just want help fixing the problems. I live in California and am not sure if that makes a difference with advice.

I would like to lease a car in the next few months and recently checked my credit score for all three bureaus and saw some possible negative items. The items that are potentially decreasing my score include: collections agency for medical bills, tax liens, small business credit cards closing and affecting my personal credit, and standard bills that were paid later than 30 days.

Are there things i can do to boost my score? Open additional credit cards? Secured credit cards? Credit lines? Any positive work I can do to improve my credit is appreciated too.

What are the quickest options to possibly remove any items? Are there attorneys or specialists who can help with the heavy lifting of improving credit scores? I know there are credit repair companies like "Lexington Law" which I tried without much success. They didn’t work because they don’t offer much customization and you either fit in their preselected categories or not. Some of my negative items are borderline cases and I would rather pay more money for individual help and have a dedicated attorney giving me personal attention.

Serious, constructive advice is much appreciated. Thank you!

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Categories: Improve Credit Score  |   Tags: attorneys, borderline cases, business credit cards, collections agency, constructive advice, credit cards credit, credit repair companies, customization, fico credit score, guidance, heavy lifting, improving credit scores, medical bills, money, personal attention, personal credit, small business credit, spilled milk, tax liens  |  5 Comments »