4 steps to raise FICO credit score

Good credit is a goal each of us should aspire to. Having excellent credit gets you the best possible terms, such as lower interest rates or having to pay fewer points when you buy a home.
Good credit is not something best left to luck or chance. Getting good credit takes only concentration, commitment and good payment habits to fix bad credit scores, and you can raise your FICO score yourself by changing the way you deal with debt and credit.
And it's so important. If your FICO score these days is not 700 or higher, you will not qualify for the best terms.Getting the highest FICO score is not always in reach of every consumer, due to past credit habits.
Being continuously late making regularly scheduled payments on installment loans adds black marks to your credit rating.
But everyone can change their habits and get better credit. Four positive steps you can take to raise your FICO credit score are:
(1) Pay your bills BEFORE they are due,
(2) Stop taking on more debt,
(3) Reduce credit card balances every month, and
(4) Limit credit inquiries.
With the goal of getting a high FICO credit score of 700+, remember that it is essential to repay the loans you have taken out in a timely manner.
Late payments or payment defaults when your home is at risk is the fastest way to lower your credit score, and to delay getting better credit. So keep in mind, as you pay off loan installments over time, your credit score will start to rise.
Get more info on fixing your credit and getting better credit at http://www.findhow2.com/