Boost your credit score

Increase your credit score by a least 20 points or more in a single month by following these 7 rules
1.Pay recent past dues on the accounts that recently fell a month or two behind.The more recent the late payment the more it will lower your score.
2.Request good faith adjustment by contacting the creditors who report late payments on your credit report ask them to make a good faith adjustment to remove the late payment information from your credit report files.
3.Pay collection that agree to vanish:Pay off accounts where the collection agencies agree to remove all references to the accounts from the credit bureau.
4.Spread Debt evenly: Evenly spread your balances over your cards with the lowest interest rates and the highest credit limits.
5.Report credit limits: Some of your credit accounts may not report the credit limit to the credit bureaus. Ask the creditor to provide this information.
6.Keep the right credit: Major bank credit cards, held for a long time with good payment histories help boost your credit.
7.Limit new accounts Many people open new department store credit around the holiday. To receive additional money off their purchases, These accounts hurt your credit score.So after you use the card promptly pay these off and close them.