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To raise credit scores you must have 3 - 6 major credit accounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here
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If your credit is fair to bad or 0 - 649 range then you need some more good credit. Remember you must have 3 - 6 credit cards, car loans, home loans, personal loans that are, current (paid on time and open now) and rated (at least 12 months payment activity reported to the bureaus). Credit cards with a 1000 credit limit for bad credit. Bad credit Visa, Master Card credit cards with a 500 600 700 750 800 900 1000 dollar high credit limit for bad credit

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To raise credit scores you must have 3 - 6 major credit accounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here

What is a Credit report debt to credit ratio? What is a good balance to limit ratio on credit cards? 30% or 30 percent or thirty percent. No more than 79%. If your balance to limit ratio is higher than 79% your score will drop.