Quote:
Originally Posted by Xist
Ah. There you go. I believe that my credit score is 735 - 740.
If only I remembered which financial institution gave out credit scores, but that would require getting between my brother and Super Mario Brothers.
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Mint is not only a very useful financial tracking app / website but they also give you a monthly credit score. Just a warning there is not one formula to get a credit score, different companies use different formulas. Mine has about a 20 point range depending on the source.
Like redpoint said, checking your credit report is the first thing I would do.
This is the official free site:
www.annualcreditreport.com
An easy way to increase your credit score is by paying down your credit card. You want your credit utilization rate to be below 30% in total and on each one of your credit cards. Using more than 30% of your available credit damages your credit score and credit utilization rate makes up 30% of your total FICO score. It will take up to 60 days to see the change reflected in your score.