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Ways To Improve Your Credit Score  
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Tags: improve credit

Below is a list I have created to help/inform people of ways to improve your credit

1.	Pay your minimum payments on time - you would be suprised how much missing a minimum payment can effect your credit score, even if you can only make the minimum, try your best to pay them on time.
2.	Do not max out your credit cards- the more capacity you have the higher your score will be, if you need to, try to transfer balances to other cards, try not to go above 50% of your available credit per card.
3.	Retrieve a credit report- A new law has been passed that you are able to pull a free copy of your credit report yearly from all three agencies, pull your report at www.annualcreditreport.com and make sure there is no fraudulent activity going on.
4.	Balance secure and unsecure debt- If you have too much unsecure debt (credit cards) see if your financial institution can do a loan to pay them off, home equity loans are secure, some financial institutions even report personal loans as secure debt, try to keep a balance between the two.
5.	Consolidate, if it will be benificial- many people use their home loans and equity loans to consolidate their debt, most of the time the APR on the loan will be less than a credit card and it is reported as secure.

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