I copied the following from the Bank of Internet website.

Score Big by Improving Credit

We all know it’s important to keep our credit in tip-top shape. But unless you’re applying for a major purchase like a house or car, your credit score may not have been a number one priority for some time.

If you’re finding that you need to bump your numbers up, there are many things that you can start doing now, some of which will have you scoring big (or at least bigger) in as little as 30 to 60 days.

Check your credit report and dispute errors. This is the best and easiest way to jump-start your credit health. Once a year, request free credit reports from the big players (Equifax, Experian and TransUnion). Pore over them and if you see any inaccuracies, call to dispute and get them removed.

Pay down (or off) open lines of credit. The closer you are to your credit limits, the worse your credit score will be. Pay down as much debt as you can. Not only will it improve your numbers, but you’ll also reduce the amount of money you owe. Score!

Don’t close old credit accounts. Once you’ve paid off a credit card, you may be tempted to cancel it. Resist the urge! It will reduce your available credit, which can actually drop your credit score. And especially don’t cancel credit lines you’ve had for a long time, because fiscal longevity is a big part of your credit history. If having those cards in your wallet is too tempting, cut them up so you won’t rack up new debt.

Ask your credit card companies to raise your limit. If you’ve been a good customer, there’s a chance they’ll grant your request. Make sure you use this newfound boon for good and not a spending free-for-all!

Be patient. Your credit score didn’t suddenly plummet in one day, and building it back up will take time. Like the tortoise, slow and steady will win the race. After a month or two of good habits, you’ll see your credit score rise, meaning you’ll be on your way to better loan rates and a happier, healthier fiscal future.

Ready to start? Get your reports from the three major credit reporting agencies: 
Equifax- http://www.equifax.com
Experian- http://www.experian.com
TransUnion -http://www.TransUnion.com

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