How Can I Raise My FICO Credit Score? Improving Your FICO Credit Score Check Your Credit Reports For Accuracy

Order Your Credit Report, Your Official Credit Report Won’t List Your Credit Score, So Don’t Be Surprised If You Can’t Find It. After You Obtain Your Credit Reports From The Major Credit Bureaus Look For Items That Are Not Accurate. The Federal Trade Commission Found That “One In Four Consumers Identified Errors On Their Credit Reports That Might Affect Their Credit Scores” , Credit Report Errors Can Are Common. Contact The Credit Bureau(S) Directly To Correct Any Error You Find And Ask Them To Verify The Information. This May Improve Your Credit Score.

Pay Your Credit Bills On Time

Payment History Is Number One In Credit Score Rating. Not Paying Your Credit Accounts Ontime Will Hurt Your Score.

If You Have A History Of Being Slow On Making Payments, It’s Time To Get Control Of This To Improve Your Life And Credit.

Always Make An Effort, Making The Minimum Payment On Time Will Save Late Charges And Keep Your Credit Score In Line.


Watch Your Balances

The Best Rating Is If Your Credit Card Balance Is Under 15 % Of Your Credit Limit. Your Credit Score Will Drop Incrementally With The Higher Percentage That Your Use.
An Average Report May Be Below 35%, Lower Utilization Will Yield A Higher Score.
You May Ask Your Bank For A Credit Limit Increase To Increase The Ratio.

Pay Old Debts And Collections

If You Have Old Debt Or Charged Off Credit Items, The Rule If Thumb Is That Your Not Legally Obligated To Pay Them If They Are Older Than The Statue Of Limitations For The State Where The Debt Originated. Here In California It’s Typically Four Years For Most Contracts. Google Search For Your States Statutes Of Limitations (Rules On Old Debt). The FTC Has Limitations On Debt Collections And Terms. Get Knowledge, That’s The Second Step.

If The Loans Are Fairly Recent And Within Your Means Pay Them Off To Improve Your Score.

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