Four ways to improve your credit score

Four ways to improve your credit score
News from CNBC:

Consumers are getting a better grade when it comes to how they use credit these days.

Nationally, credit scores are slowly and steadily starting to improve as more consumers who use credit are managing it more effectively. A recent report on FICO scores—the most widely used credit scoring system—found the national average score is currently at its highest level in nearly a decade.

It’s an encouraging trend, since a credit score is one of the most important factors that lenders use to get a snapshot of risk as they decide what rates to offer on credit cards, private student loans, car loans, home insurance and mortgages. The higher the credit score, the better the rate for which consumers will qualify.

Read MoreWhat millennials don’t know about credit cards

Your FICO score can range from 300 to 850. In April 2015, the average FICO score was 695 up from 688 in October 2005. Acco…………… continues on CNBC

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The Unofficial New Year: What’s On Your Credit Report
News from CBS Local:

BOSTON (CBS) – I’ll bet every time I have suggested that you get copies of your free credit reports you have made a mental note to check yours. It’s on that To Do List that sits in the cloud or buried in the file!

You can easily get your free report by logging onto annualcreditreport.com. This central site allows you to request your credit report once every 12 months from each of the large credit reporting companies: Equifax, Experian and TransUnion.

A word of caution. There are many look-alike websites out there. Use only annualcreditreport.com. The law now requires commercial websites that say they offer free credit reports to include a box letting you know you can also get a free credit report at www.AnnualCreditReport.com.

It is important to be checking your credit report and credit scores at least annually. And they will be different from each of the reporting agencies for they have access to different data about you.

You can get your credit…………… continues on CBS Local

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