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What is the best way to bring my credit score up and decrease the amount of available credit I'm using?

I'm unable to get a consolidation loan.

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  Answers  |  2

April 27, 2017

Debt Optimizer analyzes your debt and suggests simple actions to lower interest rates, reduce monthly payments and lift your credit score. Simply log in to your Debt Optimizer account that comes with your Credit Manager by MoneyTips account and navigate through the options listed. Debt Optimizer will facilitate balance transfers to lower-interest credit cards, personal loans, and home equity loans – to lower payments and maximize tax benefits.

Here's a great article on using the snowball method to pay down debt. 

$commenter.renderDisplayableName() | 09.29.20 @ 03:46


August 30, 2017

You should write out a budget to see where you are spending money that could be used to help pay down your debt. You could also take on a part-time job to help pay down your debt as well. To build credit, look at getting a secured credit card that reports to all credit bureaus and also if you are currently leasing, there's a program that will report your lease payments to the bureaus.

$commenter.renderDisplayableName() | 09.29.20 @ 03:46