Refinance mortgage A tutorial
The more credit you have available, and the less you have used, the better your score will look. Improving the ratio involves not only paying down your existing debts, but getting new credit if you can. Call credit card companies with whom you have a good relationship and ask whether they will extend your credit line. Also apply for new credit cards if your credit score is high enough to allow you to take out new cards. And leave unused accounts open! Once upon a time, creditors were advised to close accounts they hadn't used in a while, but now this tactic only decreases the amount of credit available to you and makes your score look worse.