How to Improve Your Credit Score

Amount owed on accounts is too high

Level of delinquency on accounts

Proportion of loan balances to loan amounts is too high

Lack of recent installment loan information

Too many accounts with balances

Too many consumer finance company accounts

Account payment history is too new to rate

Too many inquiries last 12 months

Too many accounts recently opened

Proportion of balances to credit limits is too high on bank or other revolving accounts

Length of time revolving accounts have been established

Time since delinquency is too recent or unknown

Lack of recent revolving account information

Number of accounts with delinquency

Date of last inquiry too recent

Length of time since derogatory public record or collection is too short

Amount past due on accounts

Too few accounts currently paid as agreed

Number of established accounts

Time since most recent account opening is too short

Serious delinquency, and public record or collection filed