If you are in the market for a new home or refinancing, there are several easy ways to raise your credit score. By paying down some of your debt, you can raise your credit score considerably. For example, credit card debt is probably the most overlooked type of debt. Most people do not realize that they have a line of credit tied up in their credit card. All this extra credit card debt will affect your credit score negatively.One way to get started is to consolidate all of your debts into one single mortgage loan. The lender will provide you with a loan that will be used to pay off all of your unsecured debt including your mortgage. This will give your credit rating a boost and will increase your chances of qualifying for a mortgage loan. Your debt to income ratio should now be at an optimal level.If you are looking at getting a mortgage, then you will have to have a decent credit history. Start by getting copies of your credit reports from each of the three major credit bureaus. Get rid of any negative entries that you may have had. Contact your mortgage lender and see what kind of mortgage rate they are offering. You should go over this with a fine tooth comb.The reason that mortgage lenders are offering such low interest rates is because they have so much faith in you. They figure that if you are able to repay the loan, you will stay in your home for many years. You will show them that you have financial responsibility. If you keep up with your mortgage payment, your credit score will increase. After time, you will be offered a mortgage refinance.Another simple way to raise your credit score is to always pay your monthly bills on time. Paying your bills late will not do you any good. It will only cause you to get further in debt. When you pay off your bills on time, your credit score will raise.If you have a lot of credit card debt, then you will want to start working to eliminate this debt. Credit card debt is very easy to get in the system. Once you get credit cards, you will just keep spending. This is an excellent scenario for raising your credit score. You will soon find that your credit cards are maxed out and you have a mortgage to pay off.If you don't have a lot of credit, then you are still qualified to get an unsecured credit card. Try applying for a small card and see how this goes. There are many easy ways to raise your credit score through this method. Eventually, you will be able to open up a credit card that has a low interest rate.It is always a good idea to pay your bills early. Early payments will raise your credit in a positive way. This is important if you are trying to raise your credit.Paying your bills by the time they are due can be tricky. However, you can do this. You just need to know when to do it. If you pay your bills late, then your credit score will suffer. When you pay on time, you also show that you are responsible.Another of the easy ways to raise your credit score is by opening a new line of credit. You should only open one account each month. When you get a credit account open, you should make at least a minimum payment each month. You should also pay your bill on time. This is the best way to re-establish your credit.There are many great places online where you can learn about the best way to raise your credit score. Once you know all of the secrets, you will be well on your way to increased credit scores. In fact, you will raise your credit score in as little as 7 days!That is the power of easy ways to raise your credit score. Do not delay any longer! These are the keys to financial success!