Improving Your Credit Score

How do I improve my credit score?

When you know how your score is calculated, you can begin making changes to your current financial planning. The best things you can do are simple.

-- Pay your bills on time. Sounds simple, but this is the biggest thing you can do to keep your score high. Delinquent payments and collections have a major negative impact on a score.


-- Keep your balances low on unsecured revolving debt like credit cards. High outstanding balances can affect a score.


-- The amount of your unused credit is an important factor in calculating your score. You should only apply for credit that you need.


-- Make sure the information in your credit report is correct. If it's not, dispute it with the credit agencies and/or with the creditor directly.


-- Removing negative items on your credit reports has the biggest impact on your FICO score. Generally, negative items stay on your reports for seven years, but you can hire a professional credit report repair service, such as Lexington Law Firm, to do it for you.


-- You can try to understand the laws yourself, but we have found it's so much easier to have someone do it for you. We strongly recommend using Lexington Law Firm. They are the industry leaders.