If you have bad (a 500 credit score to 580 credit score) to poor (a 581 credit score to 639 credit score) credit but want to increase your FICO Score by 150 points then read on to find out how to boost your credit score in the next 6 months.

When you close the credit-card account that you’ve had the longest, it will lower the average age of your credit accounts and drag down your FICO Score.

You charged thousands of dollars’ worth of appliances to a store credit card that doesn’t require payments for six months. As long as you make the payments in six months, your Credit Score will not be affected.

How many credit cards should you have for a good credit score? If you’re one of those people who holds up the line at stores because you’re trying to figure out which of your 10 credit cards to pay with, it may be time to do some consolidating.

You can apply for the Pier One card online or in any of their stores. If you apply in one of their shops you may receive instant approval and be able to use your card immediately. An online application may take 2 weeks to process. If your credit score is in the 600-700 range you shouldn’t have a problem getting approved, but keep in mind that other factors are considered in the approval process.