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Five Tips for Raising Your Credit Score
1. Pay your bills on time. This is the single biggest thing you can do to improve your credit. Late payments will affect your score. Depending on how late and how frequently this happens will determine it's affect on your score.
2. Have credit available to you but only use a small amount of it. A good measure is using about 25% of the credit available to you.
3. Stop applying for additional credit. The more credit you apply for, the more it can adversely affect your score.
4. When eliminating accounts or credit, try and maintain the credit relationships you have had the longest. Longevity counts and has a positive affect.
5. Contact the major reporting bureaus periodically to review your file and challenge any suspicious or inaccurate items on the report.
