August 2, 2006

There are many factors that determine your credit score. And all three major credit bureaus do not publish their criteria in how they calculate your credit score. However, here are some steps you can take to improve your score:

Pay your bills on time

Keep your credit card balance below 30% of the available credit limit

Keep your credit card accounts open and active even if it is just to buy food or gas, and then pay the balance in full

Review your credit report for errors at least once a year

You can get a free credit report at the following web site:

http://www.annualcreditreport.com