Tips to help Improve your Credit Score

1. Keep your credit card balances under 10% of your total credit limit
2. Close unneeded accounts over several months instead of all at once.
3. Close your newest accounts so it does not affect your long term credit score.
4. Get a secured credit card if you have bad credit and cannot obtain credit somewhere else.
5. Review your credit report carefully and document anything you do not see as right. If you see an error make sure to report the error either through a letter to your credit agency with the error noted or through a form on their website.
6. Open up a savings account because it will show creditors that you are willing and interested in saving money.
7. Get your credit report from all three bureaus, because they all may have slightly different information on you. This way you can get a complete profile of your credit history and score.

Step 1: Obtain your credit report (opens in new window)
Step 2: Review some common credit terms
Step 3: Read how to evaluate your credit report
Step 4: Review some tips you can use
Step 5: Learn some ways to budget your money
Step 6: Tell a Friend and help them save money