Are you interested in improving your overall FICO credit score? Well, it isn’t something that can be accomplished overnight. The best advice I have for you is to make sure that you manage your credit responsibly over a period of time. I am going to review a few ways that will help you improve your credit score and possibly save you some money.

First and foremost, always attempt to pay all of your bills before the due date. Delinquent payments and collections can have a major negative impact on your FICO score. It is quite simple actually; if you have missed any payments get current and stay current! The longer you pay your bills on time, the better your credit score will be.

Are you having trouble making ends meet? Well, I suggest that you contact your creditors to let them know and make an appointment with a credit counselor to help get you back on track. This alone will not improve your score immediately, but it will improve over time, especially if you start to manage your credit and discipline yourself to pay your bills by the due date.

Keep your balances low on credit cards and other ‘revolving credit’ accounts. You can accomplish this by only borrowing the amount of money that you need and by paying more than just the minimum payment each month. Work on paying down your ‘revolving credit’ accounts first, as this will effectively improve your credit score.

Maybe you have been managing your credit for a short amount of time, avoid opening several new accounts too rapidly. New accounts will lower your average account age, which will have a larger effect on your score if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

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