One question about credit you may ask often--- “How to improve my credit score quickly?”

If your answer is YES. Well the next question you should think about is “"How much do you want to raise it?"

If you want to increase your credit score from 550 to 630 then it would be very different from going from 670 to 725. Why? It differs because of the starting point, and it requires a different approach. Also, one of the basic concepts at best of raising your credit score is the removal of negative items from a report. Therefore, in this article, we’ll discuss some ways to raise credit score know by very few.

Below are some techniques about removing negative items, which you can use if you have no unfavorable information in your report. OK, let’s begin the overlooked methods.

DEBT to CREDIT RATIO: Have you ever heard something like "I have excellent credit, I pay all my bills off in full every month!"? That is the falsest belief about credit concept. Understanding your debt to credit ratio play an important role getting your "credit mindset" right . What is debt to credit ratio? Debt to credit ratio is your ratio of debt to total available credit you have been extended.

For example: Total unsecured revolving credit account: $20,000 Currently in debt: $5,000 Your debt to credit ratio: 25%

Since charging interest is the main way that lenders make money. So, the purpose of credit scoring model is to make you maintain balances and pay over time. That is the true credit virtue and which is most profitable to lenders since they make money primarily via interest and not annual fees.

One way that can increase your credit score faster is to have a proper debt to credit ratio, we’ve discovered many years ago.

So, any solutions if your debt to credit ratio is too high?

For example: Total unsecured revolving credit account: $20,000 Currently in debt: $15,000 Your debt to credit ratio: 75%

So, how to get debt to credit ratio down without selling everything you own?

There is one technique you can use:

SUB-PRIME MERCHANDISE CARDS: One of the most cost effective technique to decrease debt to credit ratio is to use Sub-Prime Merchandise Cards.

 Sub-Prime Merchandise Card is a card which allows you to buy merchandise from a specific vendor which was attached to a line of credit. In most cases, customer buy merchandises through a catalog or online mall.

 Here’s how it works: someone applied with a pulse, and the company gives them a card for $3,000 to $15,000 with no credit check and no cosigner. However, the consumer only can buy through their website or catalogs and the consumer is required to put down a deposit on whatever they purchase. After the deposit is paid, the remaining balance is financed on the card.

For example: Someone buys $1,500 worth HDTV, and their deposit is $500, so they can finance $1,000 on their merchandise card and make a payments.

That sounds great, right?

With Sub-Prime Merchandise Cards, your credit will be reported to at least one credit bureau. This means if your card limit is $10,000 and you finance $1,000 on your credit report. It will look like other credit card and do three important things for you

1.) Increase your "High Credit Limit" by $5,000 overnight, just like any other unsecured revolving account.

2.) By carrying a small outstanding balance it will positively impact your credit report by building and showing potential lenders your credit worthiness.

3.) With a good payment history you are virtually guaranteed to receive "legitimate" pre-approved credit offers in the future due to other lenders renting your name from the credit bureaus.

This technique is good and hard to beat for both cost and effectiveness. By using Sub-Prime Merchandise Cards you have to know exactly which cards report to the credit bureau and offer the best rates.

We must remember one thing, our credit score is more important than it has ever been in the history of the credit reporting system. We all need credit miracle and it doesn’t happen overnight. So we can create our own credit miracles by applying simple insider strategies consistently over time.