*Loan,banking and credit>>>credit score

Okay, let me get this straight. You cannot get your credit score back up in a hurry? It will take years?

I have paid off all my debts my credit score is 539 or something close to that i cant remember, but it did say that that meant poor not very poor. Now that its gone, I have to wait 7 years to the day that it went bad, to get the score back up? Is that what Im reading? That will take forever. There has to be a better way. If I ask my grandmother who has perfect credit to put my name on her cards as a user, will her credit history rub off on mines? Is that gonna be faster? If my score is so low will I be able to qualify for a new card on my own?

If your Grandmother makes you a co-signer or joint user it will help your credit a lot if her credit is as you say.

If she makes you a authorized user it will be a waste of time since in September the way FICO calculates credit scores is going to change so that authorized users no longer get additional points.

Other then that, you can use your own credit cards to raise your score. Use them for everyday things like gas and food being careful never to exceed 30% of your credit limit in any given month and pay them off in full before the due date.

This will do two things, first it will establish a payment history and second it will keep your debt ot credit ratio low. These two things alone make up 65% of your credit score. Source(s): Finance Manager for over 7-years.

congratulations you are debt free. what is the big rush to get back into debt. for once why don't really start saving and along the way pick up a credit and use it as a debit card -- other words pay off complete balance each month. it may seem forever but your credit score will start going back up.
No it doesn't take 7 years. That is the length of time a bankruptcy stays on your record. If you now use your credit wisely, pay your bills on time then your score will begin to rise almost immediately. You will probably start getting credit card offers as soon as you've paid them off. Be cautious, it is OK to take one or two but never use more than 30% of the available credit. You will be surprised at how quickly your credit score begins to improve.
Hi,

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no thats only oustanding debt and negative comments that sticks around that long, your score should go up slow and steady from here out. i fixed my fiancees in 2 years he went from 530- 620 so its possible