About a year ago, I published an article on Money Crashers about how to check your credit score for free. In that article, I pointed out that your credit score can have a big impact on your life, even if you have no plans to borrow money in the near future. For instance, it can affect the rate you get charged for auto insurance, as well as your chances of landing a job or an apartment. And, of course, checking your credit score regularly can alert you to errors on your credit report that could be a sign of identity theft.
So all in all, I made a pretty good case that your credit score is important, and why it's worth knowing what yours is. But what I never explained is what to do about it once you find out. Learning that your score is low - perhaps low enough to be affecting your mortgage or insurance rates - isn't very helpful if you have no idea how to make it any higher.
My latest Money Crashers article remedies that. It outlines the various factors that affect your credit score - such as whether you pay bills on time, how far you stay below your credit limit, what kind of credit you use, and how long you've been using it - and then explains how you can tweak these factors to boost your score.
If your credit score is only so-so, this article can give you a couple of useful tips on how to bump it up into the very good or even excellent range. And if your score is already at or near the top of the scale, it can tell you how to make sure it stays there.
Check it out here: 8 Tips on How to Improve Your Credit Score Rating