Raising Your Credit Score

by Tom Carroll

Do you have idea what your credit score is? It's good to keep an eye on it and know how to maximize it, especially if you're going to apply for a mortgage. Your credit score is one of the most important ways a lender determines your financial health and whether to extend credit to you.

Here are 8 tips for improving your credit score.

01	Review your credit reports—get a free credit report yearly at annualcreditreport.com to know your credit score before applying for a loan. Also, verify that your report is accurate. If there are errors, dispute them with the credit bureau.

02	Pay down high balances—chipping away at bills may positively affect your credit score.

03	Keep track of your revolving account balances.

04	Pay your loans on time.

05	Keep balances low and try not to get near your credit limit.

06	Apply for credit only if you need it.

07	Keep old accounts open.

08	Request negative entries that have been paid off be removed from your credit report.

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Raising Your Credit Score

by Tom Carroll

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