* A Quick Boost

Does your credit need a quick shot in the arm? A quick way to improve your credit score would be to have someone add you as a signer to one of their credit cards. In that way, their good payment record with that card gets put on your credit also.

* Getting A Co-signer

You can also ask someone with good credit to co-sign on a small loan for you. A family member is usually your best bet for finding someone to do this for you. Take out a small personal loan (credit unions tend to have very lenient credit guidelines, and are a great source for personal loans). If it makes your co-signer feel better you can put that money into a savings account where you both are signers. No one can take that money out without the signature of the other person. Then make timely payments on that loan until its paid off. Not only will you have a great new line of credit on your credit report, but you will have money in a savings account earning interest.

While there is really no substitute for paying your debts on time each month, it's good to know that there are ways to improve your credit score. The key is knowing what's in your report, and making sure it's kept accurate

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