Review your credit report and determine how much your credit line is and make sure your revolving debts are (1) at least below 50% of the credit line and (2) 30% of the credit line. Do not close old established accounts. What strategy you use to improve your credit score will depend on what your motivation is for doing so. For more details, you can check out the article I wrote about improving credit scores by clicking the link below

Sun May 4 2008, 19:05

1. Get a copy of your credit score from all three agencies
2. Send them a letter to correct any inaccuracies
3. Call all of your credit cards and ask them to increase your limit
4. Take the credit cards out of your wallet and start overpaying them. Pay the minimum on all but the one with the highest interest rate. Once it is gone switch to the one with the next highest interest rate and so on.

Wed Apr 30 2008, 10:57

Don't close old accounts, Keep balances below 35% of credit limit, Always pay on time, Ask creditors to increase your limit but don't use it! Check your report often athttp:// www.myfico.com and make sure there are no errors that negatively affect your score.

Fri Apr 25 2008, 11:14

You can do a lot of it yourself. I put these free tips on my website.

http://getprequalified.com/article/104769/credit_repair/got_…

Tue Nov 6 2007, 13:30

All of the below answers...and the biggest one---live within your means. --Hardly anybody does. But this will keep you out of credit trouble. I.E.- if you own a luxury car, and a boat, but rent a crappy apartment- you are living beyond your means. Some people are able to do this and have great credit.. But this is a general rule to follow.

Wed Oct 17 2007, 14:36

Keep balances low but active on a few credit cards. Having no acitvity or only one line of credit does not provide enough history. Pay all bills timely, of course.

Thu Aug 2 2007, 06:37

It is a great idea to go to a mortgage consultant that can help you analyze your credit and then help you plan a strategy to improve your credit over the next few months to a year. However, if you need some credit tips right here right now, here are some suggestions:

1) Pay down revolving credit (credit cards) down to 30% or below
2) Keep making on-time payments, if you've missed one or two, start making prompt payments and stick to them.
3) Keep credit cards open longer. Don't close an account and open another one, the length of your account will affect your credit--the shorter the worse it affects your credit.
4) Keep inquiries down to a minimum
5) Identify any and all mistakes on your report and start fixing them
6) If you a co-signer on an account with a high credit balance, get your name removed

There are many other short-term and long-term methods of improving your credit but I hope that this is enough to help you start on the right path!

Thu Aug 2 2007, 02:05

Best Free way I know is: Find a competent loan officer that is willing to pull your credit and then assist you with improving your credit situation.

Tue Jul 31 2007, 23:02

I would also add that for long standing accounts, make sure you use the card fairly regularly or it will "fall out" of the scoring matrix.

Wed Jun 20 2007, 10:26

It’s very simple. First you need to obtain your credit report. Most services (like http://www.credco.com/) will offer you a "credit analyzer" tool, that will tell you exactly what needs to be done to improve your score, and by how many points.
Examples include:
-Paying down balances on your revolving credit accounts (like Macy’s Card);
-Paying off outstanding collections;
-Disputing a late fee that you don’t believe to be accurate;
and so on.

Good luck!

Fri May 25 2007, 22:33

I suggest working with a Mortgage Professional to review your credit report with you. You may want to use specific strategies depending on when and if you're planning on obtaining a mortgage soon.

Wed May 23 2007, 07:01

Pay your bills on time. keep outstanding balances on open lines of credit (credit cards) to below 60% of the allowable credit. Payoff or settle all "charged off" accounts and colections. Avoid judgements.

Tue May 22 2007, 06:51

Check your score.

The most important factor in raising your credit score is making payments ontime. Don't close credit accounts if you can keep them open with no balance and not pay a fee (the length of time credit is open helps determine your score and long-standing accounts look better.)

Pay off any judgements against you and if you have any late payments that are incorrect, dispute them with the three reporting agencies, Equifax, Experian, and TransUnion.

Mon May 21 2007, 08:33

Don't subscribe to multiple credit cards with high credit.

Mon May 21 2007, 06:59

There are a number of things you can do. The biggest one is to make sure bills are paid on time. For more ideas, check out the article below.

Sun May 20 2007, 06:10