• Pay on time and never 30 days late.  Better yet, pay credit cards ahead of time.
  • Pay over your minimum montly payment even if you can only pay $1 more than the minimum, it really helps
  • Have at least 3 open trade lines with each credit buruea and at least 2 years of history
  • Don’t always pay off all your credit cards.  Leave a small balance to increase credit history
  • Don’t exceed 30% of your credit line balance on any one line of credit
  • Call your credit company and ask for an increase in your credit limits.
  • Keep credit separate from other’s even your spouse
  • Keep your inquiries to a minimum (No more than 4-6 per year)
  • Don’t close credit accounts that have a long and good history of payment
  • Monitor your credit report and scores.  You are entitled to one free credit report from each of the major reporting companies.
10 Ways to Improve Your Credit Score

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