Yourcreditgoals -

: This is the single biggest factor. Set up autopay for at least the minimum amount to ensure you never miss a date.

: Keep your oldest accounts open, even if you don't use them often, to show long-term reliability. 2. The Strategy: Boosting Your Numbers yourcreditgoals

Are you looking to on your report, or are you trying to reach a certain score for a big purchase like a home? : This is the single biggest factor

: A higher score means paying thousands of dollars less over the life of a mortgage or car loan. : Look for experts who offer a free

: Look for experts who offer a free credit analysis to identify specific "points" you can recover quickly. 4. The Goal: Leveraging Credit for Life

: If you see a late payment that wasn't actually late, or an account you didn't open, dispute it immediately with the credit bureaus (Equifax, Experian, and TransUnion).