I need advice on building my credit score!!?

My husband and I are planning on buying a new home sometime next year, we haven't checked our credit scores yet but we know they aren't perfect. We have several doctor bills from collection agencies, and also one credit card bill... so my question is would it be better to pay them all off at the same time or make each payment as they come in the mail?? Which way will help our credit score out and not hurt it? Also what are some other ways that we can boost our score?I need advice on building my credit score!!?
The best way I found to restore and building credit is to borrow funds just to hold them on deposit, make some interest payments, then give back the deposit to pay off the loan. and thin my score went up. But also and did not have anything bring my score down. http://creditloader.com will let you borrow the funds with NO CREDIT CHECK. After three months I was on a few bureaus, and I didn't have to buy something I couldn't sell to do itI need advice on building my credit score!!?
Pay your credit card(s) down, but don't close them. It looks better to keep them open. If you do have to use credit cards, keep the balance to available credit ratio to 49% or lower.





Pay your collection accounts, too. The bank will probably require that you do so. Some banks have a threshold, however, but it is in your best interest to do pay them off to increase your credit score. My bank forgave a $2500 aggregate (total sum of all them) of medical collection accounts.





No new credit! I can't tell you how many times I've seen people get a car loan or open a new credit card account weeks before they're supposed to close. That is a deal killer.





As a side note, some banks require two, sometimes three, lines of credit open and active in the last six months, especially with the mortgage industry the way it is currently.





Good luck!
Pay them off if you can. The bigger the space between your total credit limits and the balance you carry, the better.


But do not close your paid-off accounts. By closing them, you shorten your credit report, which somehow makes you seem less creditworthy to the lenders. Also, don't open a lot of new accounts during a short period of time. It makes lenders very queasy.
You can use credit repair agency to fix it - for example this one - http://creditreport.imess.net They can clean lots of such bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.
http://www.expert-credit-advice.com/affiliate/redir.php?id=118





check out this free advice
This is a good article to read on building your credit score, http://www.monitorbankrates.com/how-to-b鈥?/a>
you should go to http://www.cellsware.info/restorecredit , they have some really good credit experts.
Get copies of your credit report and start working on cleaning up any derogatory items now. Mortgage companies are going to require all negatives be settled before you get approved.





Negotiate a pay for delete for single entry items like cell phone, medical, and utility bills. This will help your score. It doesn't work as well for multiple entry items like credit cards. The collector can only remove their entry. The original creditor's charge off stays.





If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2 years, offer 75%. Lump sum gets the best deals. Payment plans have to be short term.





Get any settlement offer in writing and keep it, along with our payment proof, forever. Do not give the collector direct access to your bank account.





Paying off old debt won't improve your score unless you get the item deleted. In fact, paying old debt will initially lower your score. The older the item, the less impact. When you pay old debt, it becomes a current transaction and counts more in your score, along with all the negatives.





Creditors do look at your whole credit report, not just the score. The sooner you pay off the negatives, the more time your score will have to rebound.