-
Step 1
Obtain a copy of your credit report, review it and check for any inaccurate information, negative information or errors. You can dispute any incorrect information in writing or by online to Experian, TransUnion and Equifax.
-
Step 2
Don't pay your credit card bills late and do not miss any payments. Pay monthly payments on time and pay at least the minimum balance due. When you accumulate a record of not having a late payment and the minimum payment, it sends a very good message and your credit score goes up.
-
Step 3
Having a longer credit history can score you points. It shows stability on your credit report. It is wise not to close your accounts that have a very good rating that have been opened for a long time.
-
Step 4
Don't open new credit card accounts at the same time and end up rarely using, such as store credit cards, target, kohls, jcpenny. Although they offer 10-15% off your present purchases, opening a credit card account with them can affect your credit score in a negative way.
-
Step 5
Avoid maxing out any of your credit cards. Your credit cards have a limit. Don't allow your balance to exceed the limit on your credit card. Keep it about 30-33% of the limit. If it is close to the limit, it is wise to pay as much as possible to get it low.
