Pay Your Bills On Time

In order for you to fix your credit score, you must pay your bills on time. This is the most critical factor. Without it, none of the other tricks will work. With it alone, your credit score will be good. The other tricks are used simply to move a good credit rating to an excellent credit score. While it is impossible, to achieve a perfect credit score (850), one can achieve in the high 800s. Anything aboove 760 is considered excellent. Paying your bills on time proves to your lenders that your word is good, and that you can be counted on to pay your bills in full and on time.