How to Build an Excellent Credit Score & Ways to Repair a Bad One

keep accounts open and in standing

lower your debt/credit ratio as best and quickly as you can

examine your credit report at least once a year and fix any mistakes that are on it by writing a letter to the credit bureau and reporting company. mistakes and are made

pay bills on time

pay off any collections

requested to be deleted off your report sometimes

set up payment reminders

if the major concern is your credit score