shy on my credit. How can I fix this in about 45 days?

Get your credit report and see what you can fix. See if there are any mistakes first. Make sure any problems older than 7 years are taken off.

There is no way that your going to be able to do that. The first step would be to establish good credit and payment history with a company that actually reports to the credit bureau. It will take at the least 30 days for them to make that first report, and that’s only if they report that fast. If you want your credit score to jump up by 100 points there is no way that can be done in 45 days. Also, not all companies report your credit history for good payment history, although they will report if you don't pay. The best advice I can give you is, pay off any bad marks on your report. Transfer any outstanding balances you may have on credit card with the highest interest rate to a card with the lowest interest rate. Once you've done that close those credit cards accts. You don't want to ever have to much credit good or bad. Then get you a credit gas card, and a secured credit card. Make at least 1-2 purchases a month and pay them on time. Do that for at least 6 months and that should boost your score some. Lastly, try writing the credit bureau to see if you can get negative marks that’s been paid off your report. They will do that sometimes if the account has been paid and just sitting there as a negative mark for a long time. The more negative marks you get removed the better off you will be.

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