Instant credit builders will be more interesting to you if you need to get your credit scores up fast. The first thing you want to do is to see if you credit bureau is even reporting correctly. Over 90% of all credit reports have errors. These errors could be pulling your score down. If there are errors on your credit report, you will need to write the credit bureau about having those items taken off. If your credit card has a zero balance, don't close it. If you close your credit card, all of your credit history goes with it. A good portion of your credit score is determined by your credit history.
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