How can I improve my credit score?

Your score can improve by managing your credit responsibly over time and following some basic tips:

• Make sure the information in your credit report is correct. You are entitled to one free credit report annually from the three credit bureaus – Experian, Transition, and Equifax. You can also call us, and we’ll get a copy of one….with your scores included.
• Review your credit report for accuracy (date opened, account balance, account limit, last activity) and have incorrect or erroneous information updated.
• Pay down high credit card and revolving account balances, but don’t close the account. Don’t apply for credit that you don’t need – excessive credit report “inquiries” can lower your score.
• Avoid moving credit balances from one account to another just to take advantage of low introductory interest rates. The combination of “inquiries” and “new accounts” can negatively impact your score.
• If possible, avoid “finance company” type credit accounts, including “90-day” and “12 months same-as-cash” accounts. Mortgage loans, installment loans and revolving credit card accounts impact your score more favorably than finance company accounts.

One of the best tools that we’ve found if you need to really clean up your score QUICKLY to get your score up RAPIDLY is right here. We’ve seen clients have great success raising their credit scores quite significantly by following the instructions that are laid out for them in this easy to follow course.