first the overdraft of course. between the loan and the credit card, it would be whatever one has the highest interest charge. that way, you aren't adding more and more than you need to. i brought my score up over 100 points in 12 months, but you need to work at it every day. pay at least $5.00 more than minimum due for every payment. it always shows up good, and shows as "paid more than minimum due". then, at the same time, save money by putting it aside. when you get a big amount (say you owe 4,000... big as in 2500) put it ALL on one account. that will boost your score substancially! when you have almost everything paid off, only keep your amounts at 30% or less. (if your card has 10,000 on it, keep it at a balance of 3,000 or less) that keeps your credit going strong, and makes it climb the ladder too. don't take alot of money out with credit cards. try to use cash as much as you can. if you pay for bills with credit cards, pay it, but then immediately send that same amount to the credit card holder. it keeps your credit open without closing when you have no balance as well. don't close unused accounts, that brings your score down (stupid, i know) but make sure once a year you put about $5.00 on it and pay it right off.... like in a store buy something and then walk over to another register and say "i want to pay this much" handing them the receipt.
this has worked GREAT for me. my score is 800's
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