How to improve your credit score ?

- Eliminate any negative items. Negative items are score killers on your credit report
- Pay down any credit card with a balance of more than 50 % of the overall credit line.
- If you have a limited budget don’t bother allocating resources to any accounts which have a charge-off at this point unless you
can negotiate what credit pros call “payment for deletion”, where the creditor agrees to mark your credit report positive after receiving
the money.
- Don’t start just closing credit accounts randomly. If you need expert consultation on this or any point, go get it.

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