How to boost your credit score QUICK

Have poor to average credit but want to take advantage of the great home deals and low interest rates available in the market right now?? Read on to find out how to boost your credit score by 100 points or more in the next 6 months!

Instructions

1

Do you have a Target, Sears, Wal-Mart, TJ MAXX, Dillards, JC Penny, or other department store credit card? (If you don't; and you can get one, even with a $200-500 available credit line; get one! You'll need one--or at least a regular visa or mastercard that is not connected to your bank account as a debit card to use this 'system' to boost your credit score.) So step one: find out how much you have available on your current credit cards. Hopefully they aren't all maxed out...this really only works if you have available credit to use.

2

Step two: Go SHOP! GO to one of the above mentioned department stores that you have a credit card for and shop, shop, shop. If you've got $400 available on your Target visa card; go to Target and find something(or a few somethings) that will total up to apx. $350 worth of purchases. NOTE: you will need to have enough money to make that one month's minimum payment on your credit card available though. Use your store credit card for the store you are shopping at to pay. The KEY is; buy something you DON'T want or need. The reason why is in step 3!

3

You've shopped, You've charged, NOW WAIT. Read your receipts carefully, most stores require your register receipt to return merchandise; so you will keep your receipt IN the bag, taped onto the box, in a file, etc. so that you will be able to find it to return your purchase to the store. Most stores have a 30 (or 60 day) return policy. Wait the full 30 days, return the item/product on that 30th day (or 60th day depending on the store/policies) for a full refund of the purchase price. So, by this time you will have made your one month's minimum payment on your card; you will have shown that you are USING your credit line, and then you will return the product/itmes for all of your money back and you will also apply that amount of money BACK onto your card to show that you are paying 'ahead'. So in essence, the stores will report to the credit agencies that you are using your card and not only making your MINIMUM payment; but also paying ahead on your bills. The store does not report that you refunded your purchase to the credit bureaus and this is not illegal. Of course, this doesn't work if you purchase items that you WANT and then you keep them...and it doesn't work if you purchase items and use them or damage them or alter them in any way...keep the stuff in the bags, in the boxes, etc. to avoid temptation to wear it or use it or this method will not work. This is a proven method to improve your credit score IF you can stick to returning your purchases and applying that full amount back onto your card as though you are 'paying ahead' on your bill. You don't want to create more debt by keeping the stuff you buy! For a test run, get a copy of your credit report NOW; and then one again in 6 months! I bet you will be pleasantly surprised at the improvement in your credit score!