How do i improve my credit score?

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i would like to know the quickest way to improve a credit score. mine has been around 590 for about 4 years now. i had issues before this with credit, but it is good now. i have a mortgage, 2 cars, 3 credit cards, and a personal loan with no late payments. the credit cards are only about 25% charged on and the car and personal loan is almost paid off. i have a low income to debt ratio, about 35%. any answers would be appreciated.

How do i improve my credit score?

You are definitely on the right track to improving your score.

Here are some additional tips that may help you get a little more boost.

Improve your score - Everyone鈥檚 situation is different. Some things you can do to improve your score are:

- Pay your bills on time

- Get credit balances below 75%, 50%, and 35% of available credit

- Do not open any new accounts or apply for additional credit

- Do not close any accounts

- Dispute errors on your report

- Pay down/off debt aggressively

For more information on credit go to Fair Isaac's site (they created the credit score) www.myFICO.com

There are companies that can assist you in improving your score. Please note everything they do, you can do for free on your own.

It sounds like you have done most of the above suggestions. Which means that the biggest improvement to your score will come from time.

The Credit Bureaus count the previous 24 months most heavily into your score. Negative items (late pays, collections) will affect your score for 7 years from their resolution date (paid off).

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How do i improve my credit score?

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