10 Ways to Improve Your Credit Score

• 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.