To Save Money. Here are some tips for improving your score.

• Check your credit often directly with all of the three repositories. 
• Know your score and get all errors corrected
• Do not allow third parties to run your credit when shopping. Only apply when buying
• Keep your credit card and equity line balances low. Do not get maxed out to your limits
• Do not close old accounts with a long history
• Make sure all creditors are reporting your high credit limits
• Only use credit cards and equity lines for short term financing. Get a fixed installment loan for long term borrowing needs
• Do not pay off old collections prior to applying for a loan. This can lower your score by bringing the event current

A twenty to eighty point increase is easily attainable for most consumers within a short period of time.

What are the three credit repositories? Answer: Equifax, Experian, Trans Union