Make sure you get a copy of your credit report. You might be surprised to find out whats on there. Dispute any inaccuracies, and this alone sometimes improves your credit score.

If you do have credit cards that are maxed out and you have a balance that is at or close to your maximum credit limit an easy way to try and help improve your credit score is to call your credit card company and ask for a credit limit increase. If you are able to get a credit limit increase this will show a better balance to maximum limit ratio and thus will help to improve your credit card. Whatever you do though, do not go out and charge your credit cards up and utilize this credit limit increase.

Managing the credit limit on credit cards is critical to your score. The agencies recommend never using over 50% of the line limit and pay off the card each month on time.

When correcting errors on your credit report with credit bureaus, be sure to contact all three credit repositories. Correcting with only one credit bureau does not make the erroneous entries disappear on you credit report.

As well as making sure there are no negatives on credit report, make sure all good current credit is being reported properly for maximum impact on rating.

If you have the same name as a member of your family, check to make sure none of their accounts are showing up on your report.

Check to make sure there are no social security discrepancies. If you review your credit report you may sometimes find accounts/tradelines that do not belong to you. The discrepancies are common for those with very common names.