How do I improve my FICO score?

Unfortunately, there is no quick way to improve your credit score. It takes time and patience to raise a credit score. However, here are some things that you can do to improve your score over time:

Pay your bills in full and on time. Late payments and collections can have a serious impact on your score. With credit cards, always pay at least the minimum on time.

Avoid applying for credit on a regular basis. Repeated credit inquiries on your report will lower your score.

Pay down your consumer debt, especially your credit card balances. Because your current debt factors into your score, if your credit cards are "maxed out," it will reduce your credit score. Pay off your credit cards as aggressively as your can, and your credit score will improve dramatically.

If you have little or no credit, begin to build a credit history. Having no credit can be as bad as having bad credit, and sometimes it's worse. If there is no information upon which to judge how you handle debt, you are deemed a risk.

If there is an error on your credit report, report it to the credit bureau. In the United States, if the information a credit bureau is reporting is inaccurate, incorrect, erroneous, misleading or outdated, it must be removed upon investigation by law.


The average credit score is 675. Do you know yours?
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