Credit Information
Every credit history is unique, so it's impossible to say exactly what you need to do in order to increase your personal credit score.
​
The two most important factors in credit scoring are your payment history and your credit utilization.
​
Paying your bills on time, every time, is essential to having good credit scores.
Keeping your credit balances as low as possible is also essential. Keeping your balances below 30% is key to higher credit scores.
​
Because every credit report is different and there are many different credit scoring models available, there is no "one size fits all" solution when it comes to improving your credit score.
​
Steps Everyone Can Take to Help Improve Their Credit Score
Pay off any collections, charge-offs, or public record items such as tax liens and judgments
Bring any past due accounts current
Reduce balances on revolving accounts
Apply for credit only when necessary
Keep 3 to 4 open active positive trade lines
Steps Everyone Can Take to Help Improve Their Credit Score
Pay off any collections, charge-offs, or public record items such as tax liens and judgments
Bring any past due accounts current
Reduce balances on revolving accounts
Apply for credit only when necessary
Keep 3 to 4 open active positive trade lines