3 easy ways to raise your credit score

1. Ask the primary card holder to add you as a joint card holder: But be diligent about making payments (at least the minimum) and paying on time. Being a joint card holder - not just an authorized user - means that you share full responsibility for all debt on the account.

2. Get a major credit card in your name, especially if you are married and not a primary card holder.

3. Apply for a retail or gas card that may be OK'd quickly. Student credit cards, a secured credit card or sub-prime credit card also are in theis category but aren't the best options.

For more info and to order your credit report with FREE credit score please visit www.reliacredit.com