Your credit scores change when new information is reported by your creditors. Your scores will improve over time when you manage your credit responsibly.

Here are some general ways to improve your credit scores:

• Pay your bills on time. Delinquent payments and collections lower your score.
• Keep balances low on credit cards. High debt levels lower your score.
• Payoff debt rather than moving it between credit cards.
• Open new credit accounts only when you need them.
• Check your credit report regularly.
• If you missed any payments get current and stay current.
• The longer you pay your bills on time the better your score.