First, I made it clear - Pay your bills on time and check your report for accuracy. Of course, you know. Now we get to less known techniques.

Hire an amazing recovery company credits remove unverifiable and inaccurate items from your credit report.

There is simply no better way to increase your score than to eliminate the causes of low scores. There are many companies to choose, but a good rule of thumb is to remember that you get what you pay for. Even companies that do not challenge a negative information is largely ineffective when it comes to getting rid of the rebel elements in your report. Although I humbly suggest you look no further than GenuineCreditRecovery.com, I also suggest you stay away from the "dispute". In general, they reduce the costs upfront, but then drag the process forever to offset their "attractive" teaser rates. Ultimately, you will still have paid a lot and you will have some negative aspects of your report that are sure to keep your score at the ground, so why bother with them first?

Have a long history and good is vital, do not close unused accounts.

One of the factors taken into account when calculating your credit score is the amount of time credit he had established with each creditor. You are rewarded for having a positive effect, the long-term history with each creditor, even if the account is inactive or not used. The higher your credit history is positive with each creditor, the better. If you have any credit card you never use, instead of closing the accounts, in short credit cards in a safe place and forget them. It may even be good for them to come out of retirement and to use, but only if you can pay the full balance next month.

Keep your credit card balances low.

Have a balance, representing 35 percent or more of your total limit of credit available to each card really bad, even if you make all payments on time and pay more than the minimum amount. If you have a credit limit of $ 1,000, credit card, preferably to maintain a balance of less than $ 350, and to make timely monthly payments on the balance above the minimum required monthly - preferably the whole balance.

Depending on your personal situation, it makes sense to spread your credit card debt on cards with three, four or five, while maintaining the balance in each of them less than 35 percent of the total credit limit mark on compared to maxing out your credit card. If you do this, make timely payments on each card and keep everyone in order.

Piggyback someone else is a good credit.

This is a point of very low credit score and fast (30 days). But it requires a very trusting relationship. In other words, someone else adds that a credit account. For example, when applying for a credit card, you may have seen the section to add the card holder. If a trustworthy person adds you, their payment history is reported on your credit report too. If you have perfect credit, you now have a full set of accounts. If the default, but you're not the only one who suffers. Co-signer has basically promised to make good on an account, so any delinquencies reflected in his credit report. Remember, if it blows, it is burned for you.

To do this more efficiently using an old account. Imagine if your trusted person has a 10 years old account card credit with a perfect payment history and a balance of only 30% of the credit limit. It would do wonders for your credit file? The easy part is your trusted person just calls the credit card company and request a form to add a card holder. Once completed and activated, their entire account history and the future is now firmly planted on your account. Imagine if you secured 3-5 of these accounts - especially the interim accounts. Your credit score could rocket!