How can I improve my credit score?

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4. consolidate your student loans. for some reason every semester seems to be a separate student loan when it's reported. when you consolidate they "pay-off" your loans and make one new loan. so you score may improve from the paid off mini loans and then you can continue your good payment with the new loan. and you may get a lower interest rate (this of course assuming you haven't already)

5. Make sure everything on your report is correct such as name, address, birthday. It sounds wierd but sometimes they can have weird variations of your name or wrong addresses that can link you to incorrect info. call and request that any name that you don't normally go by is removed an any information associated with it should be deleted.

6. Give yourself time. There are a few things that can help you like having a mortgage. So unless you're going to buy a big ticket item like a house or a car just give your credit time to grow. Fair credit isn't bad credit. If you're doing the same things month after month your credit may just be at a plateu. It may even take something negative like getting a new car or house before you can have a chance to imporove.

How can I improve my credit score?

Always pay on time. Don't use it unless you are 100% sure you will pay it at the end of the month. Buy things you have to have and have the money for and use the money to pay it off when the bill comes in. Pay any utilities or any bills in your name on time. Over time it will look better and better. Just remember it is your name and a good name is worth more than money.

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How can I improve my credit score?

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