How can I improve my credit score? With FICO requirements changing daily, it is crucial to know where your credit is at all times. We use a lending oriented, credit report that includes all credit bureaus and is accepted by over 120 banks and investors. Our credit reporting system is the real deal. Don't get confused by other online free credit report offers that are only in place for marketing purposes or lead generation. In many cases these free online reports can be inaccurate and deceiving. They often do not show the true factors for determining a fico score which is the most important rating for your credit worthiness. Often times by entering in your information you become what is called a “trigger lead” which will start a bombardment of phone calls and offers. Interested in increasing your credit scores now? How about avoiding an overabundance of offers and avoid eliminating the temptation of obtaining too much credit? Log on to www.optoutprescreen.com and click on the link to “opt out” at the bottom of the page. Chose the Electronic Opt-Out for Five Years option and submit. This could increase your score by 10 to 20 points instantly! To make sure that the information of each of the credit reporting bureaus is consistent and up to date. Call our credit specialists today so they can review and advise you on any of the above. We can recommend how to increase your credit scores using our Credit Predictor System. Call 888-465-1143 and ask for a credit specialist today. Remember FICO scores are used for more than just determining whether or not you qualify for a mortgage. Higher scores indicate you are a better credit risk, and thus may qualify for a better mortgage rate. The two main components of your credit score are your payment history and the amounts you owe. Bankruptcy filings and foreclosures, which can stay on your credit report for as long as 10 years, can significantly lower your score. It's never a good idea to take on more credit than you can handle. Late payments work against you. It's extremely important to pay bills on time, even if it's only the monthly payment. Don't "max out" your credit lines. Since the size of the balance on your open accounts is a factor, lower balances are better. Always keep your balances at about 70% of the maximum amount of credit available. It has been said that by carefully managing your credit, it's possible to add as much as 50 points per year to your score.