Money Talks: 3 Best Tips to Higher Credit Scores

Whatever game you play, there are always quick tips you can use to improve your score.

There are also simple things you can do to improve a much more important score in your life: your credit score.

Now, you're not going to get immediate results, but there are things you can do to clean up a credit score in as little as two to three months.

Step one? Go to and get a free copy of your credit history.

When you get it, look for mistakes: late payments that weren't late, debts that aren't yours, old negatives that haven't been removed. If you find something wrong, challenge it.

Step two: pay down high balance cards.

The idea is to have your balances at no more than 30% of your available limit. So if you've got a credit card with a $1,000 credit limit, you shouldn't carry a balance of more than $300 on it.

Can't come up with the cash? Then try step three: increase your credit limits to accomplish the same thing. If you owe $1,000, call the bank and raise your credit limit to $3,000.

Then there are things you don't want to do. Don't close old accounts, even if you're not using them: length of your history matters. And if you're about to borrow big, like for a mortgage, don't take out new credit. Keep inquiries to a minimum.

That's your quick guide to raising your credit score, but there's more to know. And it's waiting for you at

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