Credit Score Breakup and ways to boost it

Ways to boost your credit score

1. Don't charge anything for at least 60 days before applying for a loan, Johnson said. That way it's likely that all the payments you've made to date will be reflected in your credit score by the time a lender requests it.
2. Pay your bill in full and mail it as soon as it arrives, or at the very least the minimum due. Set up automatic online bill payments so you'll never be late. Or, if you are late one month, be sure to pay off what you owe as soon as possible.
3. Consider opening another credit-card account or two, or taking out a car loan or small bank loan.
4. Avoid applying on your own for a lot of loans and credit cards, particularly in a short period. And avoid excessive card-hopping.
5. Don't close unused accounts when you transfer debt.
6. Order your truly free credit report to keep track of your credit history as I have mentioned in my earlier post Free Credit Check