50 Ways to Raise Your Credit Score

I found this information in an article some where but feel it is good creative information about increasing your credit score.

1. Open New Credit Accounts with High Limits
2. Add Your Name to Someone Else’s Good Account
3. Dispute Delinquent Credit Accounts
4. Reduce Revolving Debts
5. Pay Bills on Time
6. Get Current on Past Due Accounts
7. Settle Judgment Accounts
8. Do Not Close Unused Credit Account
9. Limit Credit Inquiries
10. Do Not Max Out Credit Cards
11. Do Not File Bankruptcy
12. Get Credit Advice
13. Correct Credit Report Inaccuracies
14. Close Accounts Slowly, Starting with the Newest
15. Make Sure the Creditor Reports to the Credit Bureaus
16. Get a Secured Credit Card
17. Get a Savings or Checking Account
18. Dissolve Joint Accounts after a Divorce
19. Avoid Consolidating Debts or Balance Transfers
20. Negotiate Better Terms with Creditors
21. Apply for an Auto Loan
22. Ask for a Credit Limit Increase
23. Pay Credit Cards Early
24. Occasionally Use Your Credit Cards
25. Pay Utility Bills on Time
26. Maintain at Least One Good Account
27. Something is Better than Nothing - Pay something
28. Shop for Loans within a Short Period
29. Live Within Your Financial Means
30. Stop Using Plastic
31. Don’t Open Too Many Accounts within a Short Period
32. Wait 12 Months Before Applying for a Mortgage
33. Payoff Existing Loans
34. Pay More than the Minimum Payment
35. Ask Creditor to Delete a 30-Day Late Item
36. Enroll for Automatic Billpay
37. Resist the “In-Store Credit” Temptation
38. Avoid Cash Advances
39. Do Not Exceed Your Credit Limit
40. Pay Balances in Full
41. Avoid Finance Companies
42. Re-Open Closed Accounts
43. Lower Overall Debt Ratio
44. Have at Least Three Open Accounts
45. Do Not Apply for a “Capital One” Credit Card
46. Write a Short Explanation on Your Credit Report
47. Prioritize Debts
48. Know Your Credit Score
49. Get Credit in Your Own Name
50. Add Information to Your Credit Report