Look for factual errors and dispute them with the credit agency
Pay all your bills on time!!
Decrease the quantity of accounts or lines of credit you have open
Diversify your types of credits
How is my credit calculated by a credit bureau?
Several components go into calculating your credit score, and each reporting company will use a distinct method. Credit bureaus can legally report negative information for seven years or until the statute of limitations runs out, whichever lasts longer, and bankruptcy information for ten years. Information which refers to criminal convictions or to lines of credit which are larger than $150,000 can be reported for an indefinite period of time. The general breakdown of the number itself includes the following factors:
Credit is a number between 300 and 850. It reflects your ‘credit worthiness’, or how likely you are to make good on your word when it comes to money. There are three major credit reporting bureaus: Equifax, Experian, and Trans Union.