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1. Look out for identity theft (Credit/Credit Score Safety) ... suspicious activity or any charges you don't recognize at once. Also check your credit report regularly and immediately investigate any new credit accounts you do not recognize - this is the best way of ... 2. Reduce your Debts (Credit/Improve Credit Score) If you have a lot of debt, your credit score will suffer. Paying down your debts to a minimum will help elevate your credit score. For example, if you have a $1000 limit on your credit card and you regularly ... 3. Avoid excessive credit (Credit/Improve Credit Score) ... and one or two other major debts (car loan, mortgage) in order to have the best credit rating. Do not apply for every new credit line or credit card "just in case".” Borrow only when you need it and make ... 4. Pay your bills on time (Credit/Improve Credit Score) One of the best ways to improve your credit score is simply to pay your bills on time. This is absurdly simple but it works very well, because nothing shows lenders that you take debts seriously as much ... 5. Develop an action plan for dealing with your credit score (Credit/Credit Score Basics) ... is considered the best indicator of how you will react to debt in the future. For this reason, late payment, loan defaults, unpaid taxes, bankruptcies, and other unmet debt responsibilities will count ... 6. Keep the contact information for credit bureaus handy (Credit/Credit Score Basics) The three major credit bureaus are important to contact if you are going to be repairing your credit score. The major three credit agencies can help you by sending you your credit report. If you find an ... 7. Understand where credit score come from (Credit/Credit Score Basics) ... give you the best interest rates out there. However, credit scores are a lot like GPAs or SAT scores from college days - while they give others a quick snapshot of how you are doing, they are interpreted ... 8. Credit Score Basics (Credit/Credit Score Basics) Before you start boosting your credit score, you need to know the basics. You need to know what a credit score is, how it is developed, and why it is important to you in your everyday life. Lenders ... 9. Privacy (FAQs/Legal) Last Updated: January, 25, 2010 CreditWitch.com strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally ... 10. What is Credit Score? (Credit/Credit Score) There are many misconceptions about credit scores out there. There are people who believe that they don't have a credit score and many people who think that their credit scores just don't really matter. ...