It's a pretty good bet that most everyone would love to raise credit score. If you have a fairly good score, this should be easy to do. If you have a less than prime score, it may be more difficult. In order to raise credit score, a person needs to improve or eradicate their old balances and start off with some new and regularly paid accounts. This can be done in many different ways. Old accounts will need to be paid or erased through bankruptcy. New accounts, when offered, should have small balances that are paid on a very regular basis. It is not wise to have credit cards with zero balance. This reflects negatively on a credit score. Taking care of old balances can be done either through bankruptcy, a consumer credit counselor or by dealing with the creditors yourself. A credit score cannot be raised overnight, but over time it can be positively impacted. Even with bankruptcy, there will be creditors willing to extend credit. Make wise choices. The last thing you want is to end up in the same predicament having a low credit score. The important thing is to have a plan of action and stick to it.