| If you are looking for ways to Improve your credit | | | | with you along time, so make sure to pay on time |
| score and keep it in good standing then pay close | | | | every time! |
| attention to the information below that will reveal to | | | | Total Outstanding Amount Owed- The agencies that |
| you how the credit reporting bureaus look at your | | | | report your score to the lenders will take a very close |
| profile and how that profile will affect your final credit | | | | look at how much of your available credit you have |
| scores. | | | | used. Anytime you are using more then 40-50% of |
| Payment History- How you make your payments has | | | | your total available credit your FICO scores will start to |
| a big impact on your score. Generally the most focus | | | | drop quickly. To get around this you can try and get a |
| is put on the last 12 months of payment history. Having | | | | credit line increase to effectively drop the ratio, or pay |
| just one 30 day late payment can literally drop your | | | | down the balance as fast as you can. |
| FICO score 50-100 points overnight and it can stay | | | | |