Credit scores are important for big purchases, obtaining credit, and employment. So keeping your credit straight is very important. The first thing to remember is to make sure that you check your credit score every month. You can do this on at a free or paid website. Many financial institutions offers credit tracking tools to help you check and improve your credit score. I have both. I use a credit tracker through my bank, and I use a free website. If you have a low credit score, you can raise your score by first paying your bills on time. Second, you make sure that your creditors are under 30% of the balance. This really helps your score. Andriotis (2015) wrote “The second factor is the overall amount of money you owe — including how close you are to the limits on your credit cards — which accounts for 30% of the score.” You can also pay off your bill early. Andriotis (2015) wrote “Borrowers who want to boost their scores can take certain steps that will pay off within a month or two, and others that will raise their scores over many months or even years.” Another thing that you can do is to ask your creditor what day do they report your scores to the credit bureau, so you can make sure the account is in good standing by that date. You can try some of these ideas to improve your score. They have helped me, and maybe this information a can help you.
Andriotis, A. (2015, Jan 10). WEEKEND INVESTOR — how to perfect your credit score — even borrowers with good credit can save thousands of dollars by making their scores pristine; here’s what you need to know. Wall Street Journal Retrieved from http://search.proquest.com.library.capella.edu/docview/1643992404?accountid=27965