How can I improve my credit score?

i dont have any debt.My credit score was bad because i had debt of 800$ for a year.I have paid off totally and now i am free of debt.My total creidt limit is 1100$.Now since 3 months I am not using any credits.Now I have enough money,How can I improve my credit history?Is there any agencies where can i fiund guidance to improve my credit score.Thanks

Public Comments

1. Pay your bills on time. you can get some good credit cards with low apr and some reward programs and then buy the necessary things with this card and pay the bills on time. You can also try some reward cards they are good. All these will make your credit good. To know more you can visit http://www.creditcardbiz.blogspot.com
2. How to improve my credit score? To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score<!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing. http://badcredits.awardspace.com/creditscore.htm In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports-->you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.
3. Let me share with you my tips that you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- : # Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.) # Never Miss a Payment, Starting Today # Never use more than 20% of your Available Credit # Keep Credit Cards that Have No Annual Fees Open For as Long as Possible # Extend Your Credit Limit on Cards You Already Have before You Get New Ones # Get Credit Cards that Have CashBack Rewards to Contribute to your Balance # Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit- # If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan # Take out a Small Personal Loan and Repay it Over a Year # Ask Someone With Good Credit if They will Account Shadow you Read more here: 10-Ways to Boost Your MyFico Score http://millionster.com/articles/debt/increase-fico-credit-score/ Please dont use any of the "credit repait agencies" they over charge you for doing nothing.. lol. The only company that matters in your FICO score, is of course myfico.