HOW TO RAISE YOUR CREDIT SCORE
Keep balances low
High outstanding balances on credit cards and other debt can lower your score – even if you are making timely payments on your current debt. Lenders know that the more debt you have, the more difficult it would be to pay your bills if you were to lose your job, face a sudden illness, or get divorced. Try to keep your outstanding balances below 50 percent of your credit limit.