One way to raise your credit score is to fix any incorrect delinquencies you see on your credit report.
After you get a copy of your credit report in hand, scan the report for any mistakes.
You may see a certain bill that you paid off 5 years ago is still showing up on your credit report as delinquent and not paid off.
Call that company up and tell them that you already paid that bill 5 years ago and that you want them to report back to all 3 credit bureaus that the bill has been paid off in full.
Be prepared to provide them proof that you paid off that bill if they dispute they received payment.
Do that same procedure for every single incorrect delinquency that has been reported.
Yes, this is a huge pain, but once done you will see your credit score improve over time.
My client did this exact process and raised their credit score about 100 points in 6 months.
Best of all, it's free! But it takes time.
