Improve Your FICO Score
How can I Improve My FICO Score?
Information provided in whole or part by myFico.com and LandAmerica Credit Services
If you need a loan, look for the lowest interest rate within a focused period of time, such as 30 days. FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.
Generally, people with high FICO scores consistently:
Pay bills on time.
Keep balances low on credit cards and other revolving credit products.
Apply for and open new credit accounts only as needed.
Also, here are some good credit management practices that can help to raise your FICO score over time.
Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them on time will raise your FICO score over the long term.
Check your own credit reports regularly, and before applying for new credit, to be sure they are accurate and up-to-date. As long as you order your credit reports directly from the credit bureaus, or through an organization authorized to provide credit reports to consumers, such as myFICO, your own inquiries will not affect your FICO score.
How credit scoring helps you with your home mortgage