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It can happen to anyone: Miss a payment by credit card or two and the next time you check your credit score, which is surprising to find a few that scares lenders. But with patience and discipline, you can see the score deep into the stratosphere. We talked to people around the country that has been excavated and raised their credit scores dramatically – sometimes in the years to only one or two.

We ask you to convey your best tips to share with people who can cope with blue low score.

Melissa Chinwah
Homewood, Illinois
The credit score before: 348
Credit score after: 702

Tips for keeping a good credit rating

Credit scoring danger zone

Rock Bottom: After the divorce, Chinwah, an office manager, was surprised to find that your credit score dropped to an average of 348, with the lowest score among the three agencies reported that 316. There were 43 collections and a car seized by his report – “It was a good thing, except for my student loans, he said. “I started looking for a house for me and my two small children and not even look at me.”

Turning Point: Melissa began to investigate the details of your credit MyFICO.com report forums where people have shared their tips to raise their credit ratings. For example, he learned that 120 days is a late payment is essentially the same to be recovered, according to a credit bureau. “The average layman does not know what kind of thing,” he said.

His motivation: “The motivation is that I need a place to live,” he said. “I was 44 years old at the time, and I had to start over anyway.” When the credit score Melissa has reached 648, which applies for a mortgage and bought their dream home.

Lessons Learned: Melissa came to building your credit as a part-time job. “Every day I promise myself that I would see my score on my lunch hour, and I’d do something like write a letter of good will,” he said. Melissa wrote many letters and phone calls made to creditors, after paying his debts, asking them to remove blemishes from your report. It has persisted in its efforts over two years and managed to obtain at least 15 collections deleted.

The best advice: “Patience is one thing to have,” he said. “There is no magic pill, no magic wand. You have to sit, make phone calls and pay their bills.”

Paul Seago
Apopka, Florida
The credit rating before: less than 500
Credit score after: 785

Rock Bottom. “I left school in 1998 graduated in 1999 and 2000, pay their bills on time was not very important for me, so he had accumulated,” Seago said. “And I’d be 30 or 60 days late, sometimes 90 A couple of these batteries All I suddenly thought: .. “Look, I want to buy a car one day, get married and buy a house. “I could not do such things with the score I had.”

Turning Point: “One of the first things I did was start paying all the time,” said Seago, President of the Apopka Chamber of Commerce. “I created an auto bill pay so you’ll never be late again the best thing to do is start paying your bills on time, late payments finally left Then I paid extra on my bills -… more than the minimum – so my debt ratio would fall I got rid of all my store cards and kept all my credit cards “..

His motivation: “I looked and I wanted [my score] turned around,” he said. “At some point, I’d be married and looking for a house, and I realized one day play, sitting with a mortgage broker who looks at my credit and [the agent] said:” Yes, you can not have a home. I probably looked at my score in four months, and I want to see him go. It’s like when you’re dieting and you see that losing a little weight. “Seago is now married and in the process of finding a home.

Lessons Learned: Research Seago credit score online and advice in magazines. Their main aim was the payments on time. “If you’re in trouble and you have a low score, you can not spend its way out of it,” he said.

The best advice: “No. 1 is as simple as it sounds, pay only the time to pay a little more each month to get that balance down and do not receive more cards you have to pay for … and keep their balances down. ”

Fiona James
Baton Rouge, Louisiana
Before: 422
After: 512

Rock Bottom: She knows she has a long way to go before your credit score can be called excellent, but also sees it has come a long way since the things were darker self. “When I went to college, everyone was offering me credit cards,” said James. “A few years later I was behind the letters and not be able to afford certain things and borrowing . I went in search of a vehicle in 2008 and noticed my credit score has gone down. ”

At this point, James began to follow the advice of the book “Good to the wealth of debt,” by Elon Bomani. There was a lot of cards with small amounts of debt and started to pay down working on reducing its debt.

His motivation: James has been motivated by the need for reliable transportation to work in his two jobs. “I went six months without a vehicle,” he said. “It was really difficult.”

Lessons learned: “I applied some basic principles of pay creditors when there was a small scale, then started to make payment arrangements with other creditors,” he said. “We also invested in a collateral credit card indicated the three major credit bureaus and make sure they pay on time and out of each month.”

And even if she managed to raise the score nearly 100 points, knows that his work is almost complete. “Every day I am still working to repair and rebuild my credit and become financially sound,” he said.

The best advice: “Honestly, I would say first of all have faith that you can do,” he said. “The final results are much more than what you’re dealing with that time.”

Top Tips
We also talked to David C. Jones, president of the independent agencies of consumer credit counseling, and Gail Cunningham, vice president of public relations for the National Foundation for Credit Tips for guidance for top construction loan.