Let's improve your FICO score. How? Here are few tips

Good CREDIT = Low Interest Rate (Car Loan, Home Loan, Business Loan & Credit Cards)

This is how your credit score is analyzed (This example is from Experian)
  1. Payment history - 35% of score
  2. Amount of debt - 30% of  score
  3. Lenth of credit history - 15% of score
  4. Amount of NEW credit - 10% of score
  5. Credit mix - 10% of score

VIP 2 tips to how to improve your credit score

1. Set up minimum auto payment to avoid any billing issue | 2. Use only 30% of your credit card limit

Credit Education

How To Freeze Your Credit With Experian, Equifax and TransUnion

Equifax, Experian and TransUnion also allow credit freezes to be put in place via phone or online. In fact, the most efficient way to freeze and thaw your credit is online. To get started, you’ll need to create an account online with each of the credit bureaus, Experian, Equifax and TransUnion. If you already have an online account, log on and click on the respective credit freeze page of each of the bureaus.

By Phone: 888-EXPERIAN (888-397-3742)

By Mail: Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

By Phone: 888-298-0045

By Mail: Equifax Information Services, LLC
P.O. Box 105788
Atlanta, GA 30348

By Phone: 800-916-8800

By Mail:  TransUnion
P.O. Box 160
Woodlyn, PA 19094

Credit Freeze Sample Letter
Source: Clark.com

Use This Sample Letter To Request a Credit Freeze by Mail

Self Credit Repair Tips

10 Credit Repair Tips
by Experian

Some tips for do-it-yourself credit repair include getting credit counseling, checking your credit scores and credit reports, prioritizing on-time payments and paying down high debt balances.

How To Fix Your Credit In 7 Easy Steps
by Forbes

The average credit score in the U.S. is 714, but that doesn’t mean everyone has good credit. Most lenders use FICO scores for credit ratings. FICO scores range from 850 (a perfect score) to 300. 

Fixing Your Credit
Federal Trade Commission Consumer Advice

Is there information on your credit report that's correct — just not so good?

Your Free Credit Reports
Annual Credit Report.com

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year. That means if you order a report from one of the companies on March 1, you can't get another free annual credit report from the same company until March 2 next year.

5 Sneaky Ways To Improve Your Credit Score

Boost your credit score fast!

1. Find Out When Your Issuer Reports Payment History

2. Pay Down Debt Strategically

3. Pay Twice a Month

4. Raise Your Credit Limits

5. Mix It Up