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Improving your score!
Improving Your FICO Score  
It's important to note that raising your score is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage credit responsibly over time. Here's how you save money....
Pay your bills on time.Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current.The longer you pay your bills on time, the better your score. Be aware that paying off a collection account will not remove it from your credit report.It will stay on your report for seven years. If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.This won't improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time. Amounts Owed Tips
Keep balances low on credit cards and other "revolving credit".High outstanding debt can affect a score. Pay off debt rather than moving it around.The most effective way to improve your score in this area is by paying down your revolving credit. In fact, owing the same amount but ... more

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