How to improve your credit score

If you want to apply for new credit card, or you want to take mortgage refinancing your home or take home equity whatever is your plan all you need to take care at the beginning is your credit score because without improving your credit score you will be paying a lot of interest rates and high monthly payment.  You may be very busy lately and don’t have time to managing your credit report and your credit report has suffer and you wish to fix your credit report what should you do? Let your creditor suffer your credit score? NO you need to fix your credit score but how can I fix my credit score? First what you need to know is what is a credit score and how it work Generally speaking, a credit score measures the likelihood you have repay what you owe, and it is based on information in your credit report but remember not all creditor notify to all credit report agency about your account activity so Trasunion Credit score may be different what Equifax and Experian have. As you know the rewards to raising your score speak directly to your wallet because if you have low credit score you are paying a lot of money in interest rates.  If you have better credit score then creditor is willing to offer you better loans terms and interest rates. 
I would like to share  how you may fix your credit score and what is affecting your credit rating

Correct mistakes on your credit report. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus Equifax, Trasuion and Experian and don’t be fool and check your fako score because is less expensive go ahead and check fico score because only fico will tell you true credit score.  You should check for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late, you should remove all inaccurate information from your credit report before it’s too late!

Pay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.

Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit because if you have higher credit card limit then creditor is counting you as risk person and of course your fico score will be lower. The reason creditor is counting you as a risk person because you may default on payment at any time.
Don’t close your credit card- If you have 3 years of more credit history on your credit card so it is not good to close that credit card because you losing a credit history and if you lost your credit history then your credit score will also suffer in bad direction. 3 years of credit history is considered as good and is not affecting your credit score in any negative way. If you have late payment on your credit card then your should talk to your creditor to remove any late payment from your credit report as this will save you a lot of interest rates