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Step 5 - Use a combination of different credit types.  A mixture of credit cards, installment loans and loans with fixed payments can help raise your score if you manage the credit cards responsibly. Having numerous installment loans can lower your scores because the payments remain the same unti...

Step 4 - Protect Your New Credit - Manage it wisely. Several credit inquiries during a short period of time gives the appearance of you trying to open more than one new account and this can lower your credit score. The software used to score your credit can usually recognize when you are shopping...

Step 3 - The length of you Credit History - how far back does it go? Time is crucial to this aspect of your credit scores so you really should take the time to manage it wisely.  Don't open several new accounts in a short period of time- this is especially important if your credit history is less...