Ways to improve your credit score...

1. Watch those credit card balances ...One major factor in your credit score is how much revolving credit you have versus how much you're actually using. The smaller that percentage is, the better it is for your credit rating.

2. Eliminate credit card balances..A good way to improve your credit score is to eliminate nuisance balances.

3. Leave old debt on your report...Some people erroneously believe that old debt on their credit report is bad. The minute they get their home or car paid off, they're on the phone trying to get it removed from their credit report. Negative items are bad for your credit score, and most of them will disappear from your report after seven years. LIES!!! However...Arguing to get old accounts off your credit report just because they're paid is a bad idea.

4. Pay bills on time..If you're planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash. While you're juggling bills, you don't want to start paying bills late. Even if you're sitting on a pile of savings, a drop in your score could scuttle that dream deal.

Hope this helps...