There are many ways to raise your credit score and sadly many consumers are in a position where they need to raise their credit score due to failing to pay their current bills in a timely fashion. There are many programs currently being touted online and even on television that promise to help get you out of debt and raise your credit score. Although there are some companies and debt relief agencies that can help a consumer get out of debt and raise their credit score there are even more that do nothing except put that same consumer even more in debt thereby increasing their financially related stress. However, the truth is a consumer can avoid these entire fly by night debt relief companies and raise their credit score on their own with legitimate techniques that are easy and quick to implement.

The fastest and easiest method to raising your credit score is to make timely payments to your creditors for a period of time until the debt is finally paid off. They key here is to pay off those bills with a monthly amount that equals at the very least the minimum payment. This combination of on time monthly payments will do two things for you. The first benefit is you