• Pay all of your bills on time. Lateness, collections, and bankruptcies have the greatest negative impact on your credit score.

  • Check your credit report on a regular basis and dispute inaccuracies as soon as you uncover them.

  • Keep your account balances below 60% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $600.

  • Try to carry balances well below 30% of the limit (ideally) - In the above example: Get your balance down to $350.

  • Avoid too many inquiries.

Credit scoring models are complex. If one factor changes, your score may change -- but improvement generally depends on how that factor relates to other factors considered by the model. Nevertheless, scoring models generally evaluate the following types of information in your credit report:



  •   Be on time, payment history has a 35% impact on your credit score
  • Watch your debt ratios, your utilization ratio has a 30% impact on your credit score   A large number of inquiries occurring over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can actually repay.


We hope this information was helpful. If you have any additional questions, comments,or concerns,please submit a ticket and our support team will assist you.Thank You