Step 3 - The length of you Credit History - how far back does it go?
Time is crucial to this aspect of your credit scores so you really should take the time to manage it wisely.
- Don't open several new accounts in a short period of time- this is especially important if your credit history is less than 3 years old. Adding too many accounts close together sends out a red flag that you may be irresponsible in managing your credit.
- Be sure that you pay your bills on time, especially the the long standing acounts, and try to pay it down instead of just the monthly minimums.