5 Ways to Improve Your Credit Score

Q. How to improve my credit scores quickly?

A. There is no short cut to improve one's credit score quickly (unless it's a mistake made by the credit bureaus and you corrected it).  Below are 5 ways everyone can use to improve the credit scores:

1. Always pay your bills on time
2. For each credit card, spend only up to 10% of the card's limit, then start using another card.
3. Still pay the item that is in dispute, don't presume since an item is in dispute, so you don't have to pay for it
4. Don't easily co-sign something, you will be held responsible for it if anything goes wrong!
5. Don't open too much credit at once.  Anytime you open a new credit, hard inquiry will hurt your credit, but its impact will disappear after 12 months.