easy ways to improve my credit score?

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1. Pay your bills and pay them on time. Also try to build yourself an account that is big enough to cover at least three months worth of bills.
2. Pay off debt. If you dont hav debt. A credit card. Make small transactions then payoff at the end of the month. Be careful, if you pay on time they will increase you limit ever so often. Do that for about a year and close it. Then you will have increased your credit score significantly.
3. The truth is you should try to pay as much as you can using 90 days same as cash, then when you do need to borrow always always pay as agreed upon. When the bill comes in, you pay it that same day. Then you'll always have A1 credit. Follow up immediately if there is a discrepancy between what your bill was and the amount of your charge ticket. People make mistakes and it is up to you to keep your credit "clean".
4. Check out the factors that influence credit score in the link - one thing to consider in the short run is increasing the available credit you have on each card (thereby lowering your credit balance to available credit ratio).
5. Pay off any debt. Pay your bills in full, on time, every month. Some banks let you open a "line of credit" tied to a checking or savings account - essentially a loan that you've qualified for, but haven't taken money from yet. FICO credit scores are based on: Payment history - 35% Amounts owed - 30% Length of credit history - 15% New credit - 10% Types of credit used - 10%