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Get and keep at least 3 / three open lines of credit
Make sure these credit cards or loans have at least 12 months payment activity with no payments ever being over 30 days late.
Pay down loan balances to less than 50 percent owed against your high credit limit now. This keeps you from being maxed out on all your credit.
Negotiate validate dispute or pay off any bad credit that is less than 24 months old. Anything over 24 months is considered stale and has less effect on your credit score.
Do anything within your power to have duplicate accounts removed or at least have one removed
Dispute anything that is anywhere close to inaccurate
Get more job and use a strict budget

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Posted in Free Credit Help.