What Is a Fast Way to Get Your Credit Score Higher?

FICO scores range between 300 and 900, says Bankrate.com. Consumers with the highest scores receive good rates and terms on different types of finance packages. Numerous factors play a role in a low FICO score. And sadly, many consumers don't value the importance of a high score, or know how to maintain a good rating. Keeping your credit rating in good shape isn't impossible. The key is responsibility and recognizing habits that bring down your score.

Instructions

1

Pay loans, credit cards and other bills before the due date. Procrastination or waiting until the last minute to pay bills can result in a late arrival and a lower credit rating. Get into a routine of paying bills shortly after receiving the statement.

2

Learn how to manage debts. Accumulating credit card debt and maxing out your credit cards damages your FICO score. Use credit wisely and pay your balances in full each month to keep your debts low.

3

Check your credit report. Head off future credit problems by reviewing your personal credit report at least once a year for mistakes. Mistakenly, creditors can add someone's negative information to your report, which can drive down your FICO score. Order free reports from Annual Credit Report.

4

Ask for a credit limit increase. High credit card balances reduces your available credit on your credit cards, which lowers your credit rating. Widen the gap by requesting a credit limit increase from your credit card issuer. Available credit has a positive effect on credit scoring.

5

Open a credit account. You need credit to build a good FICO score. If you don't have a credit history, or if you have a low score due to a short credit history, open one or two additional credit accounts such as secured credit card from your bank.