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How should I go about raising my credit rating?

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I am an engineer working in US; during my college I raked so many bills with my credit cards. I began paying all of it, and propose to pay them of, nevertheless. I am quite young and preparing to get settled soon, I am sure that my credit rating is low and that loan will be quite tough for me or any finance for even the essential stuff. So, I need suggestions on this…. kindly help.
 

cwa107


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I am an engineer working in US; during my college I raked so many bills with my credit cards. I began paying all of it, and propose to pay them of, nevertheless. I am quite young and preparing to get settled soon, I am sure that my credit rating is low and that loan will be quite tough for me or any finance for even the essential stuff. So, I need suggestions on this…. kindly help.

So, why join a Mac forum and as your first post, ask this question? There are plenty of financial-related forums out there, I recommend taking a look at one of those, although I suspect you are more than likely a Q & A spammer.
 
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You need to pay off your credit card debt. Regular big monthly payments will do this. This will improve your rating.

Also, NEVER miss a payment.
 

CrimsonRequiem


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Pay it on time or before it's due in the full amount.
 
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Get a credit card and use it for everything. Just make sure you pay it off every month. If you don't have the discipline for this, then it's a very bad idea.
 
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As Village Idiot said when you get a credit card you should really try to pay it off every month. So like for me when I finally do open a credit card I plan to buy some pairs of socks and pay them off 100% when the bill comes.
 
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Pay your bills regularly and on time.

We're done here now.
 
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