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Ways To Improve Your Credit Score

  • Pay on time.
  • Limit how much available credit you use to 30% per card, 10 % across all cards.
  • Avoid opening store cards since that will lower the average age of your accounts.
  • Keep old cards active, since the length of your credit history is important for your score.
  • Do not apply for multiple cards over a short period of time.
  • Spread charges across cards rather than using one card heavily.
  • Mix up the types of debt you take on, including mortgage, auto loans or other installment loans.
  • Keep your debt level low compared with income.