Correct inaccurate, misleading, or unverifiable information on your credit report. The Federal Fair Credit Reporting Act is the Federal law that governs your credit report and protects you from inaccurate reporting by establishing a legal dispute process that you can use to challenge and remove items that are inaccurate. Visit our credit dispute page for important information on how to clean up your credit report.

Get a credit card, secured credit card, or credit in general and immediately begin to build a positive credit history. Use credit wisely and pay it off at the end of the month. Within a couple of years this will bolster your score.

Add your name to another person's credit card. Although many consumers never consider it, adding your name to a credit card that belongs primarily to another individual is a great way to improve your credit score, assuming that credit card has a strong payment history.

Keep the balance under 35% of credit limit. One of the things that impacts your credit score is how much of your available credit limit has already been spent. In order to have the most positive impact on your credit score, you need to keep the amount of credit used at 35% or less than the total credit limit available.

Pay your bills on time. Many people find that their credit score is bad, and subsequently think that there is nothing wrong with continuing this trend. This is a huge mistake. If your credit score is low, you can improve it easily enough by paying your bills on time every month.