Guide to Improving Your Credit

How can I improve my credit?

The simplest answer for improving your credit is to increase the positives on your report and to lower the negatives as much as possible. Pay your bills on time and in full, take out only as much credit as you need, and take action to repair your credit from false or unverifiable negative items.

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How can you improve your credit score?

To determine your credit worthiness for a loan, lenders will pull your credit report electronically from a credit reporting agency like Equifax, Experian, or TransUnion. The information they have in your file is obtained from your creditors who send a notice on a regular basis of credit you have and your payment history. Negative items on your credit report may take some time to remove but things that help you get credit include:

1. Paying creditors on time (credit cards, mortgage, car loan, student loan, etc.);
2. Not overusing credit cards;
3. No major items like collections or liens; and,
4. No bankruptcy.

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