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What is your FICO Score...
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Tips to improve a credit score from LaSalle Bank's “A Guide to Help You Understand Credit.”
- Learn what your current FICO (Fair Isaac Corporation) credit score is and what appears on your credit report.
- Do not open new credit cards that you do not need just to increase your available credit. This approach could backfire and actually lower your score.
- Try to keep your total account balance as low as possible. High outstanding debt may negatively affect your score, as you have greater chance of missing payments. Do not charge over one-half of your maximum on any one account.
- Correct any incorrect information that might appear on your credit report.
- If your credit is severely damaged, or you have a very short credit history, your credit can be repaired. Start paying on time.
- If you fall behind on paying a bill because of illness, unemployment or family issues, write an explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditors and explain the circumstances and, if possible, work out a payment schedule you can meet.
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Receive this Detailed Analysis
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Your Monthly Payments
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