How to Raise Your Credit Score

want to get a good rate on a mortgage? how do you get that darn credit score up?? read to find out

Difficulty: Moderate

Instructions

Things You'll Need:

• discipline

1. Pay your bills on time. This stays on your record for up to seven years. If you cant pay it on time, at least pay it late. Paying it late is much better than having it get sent to collections.

2. Keep your credit ratio low. This consists of credit used/credit available.

3. Length of credit. The longer you've shown good credit, the better. Obviously not much you can do here but accumulate time.

4. Show a good mix of types of credit. A good mix consists of credit cards and loans/mortgages.

5. How often do you request a line of credit? Too much and it might start affecting your credit score.