Improving Your Credit Score

Check your Credit Report for inaccuracies
Under federal law, you are entitled to a free credit report from each of the three national credit reporting agencies every year. Go to www.annualcreditreport.com for more information.

Pay your bills on time
One of the key factors to improving your credit score is to pay your bills on time. If you have missed payments, get current and stay current on payments to help improve your credit score.

Keep Balances Low and Pay Off Debt
Pay down revolving credit instead of moving debt around. Owing the same amount  on fewer accounts can lower your score.

Don’t Open Many New Accounts Too Quickly
Opening new accounts can lower the average age of your history, which can affect your score if you do not have a larger amount of other credit information.  

Learn the Legal Steps to Improving Your Credit Score
The Federal Trade Commission's Building a Better Credit Report has information on correcting errors in your report, tips on dealing with debt, avoiding scams and more.