ELIMINATE CREDIT CARD BALANCES
One of the items your score considers is just how many of your cards have balances, says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax.
For example, charging $150 on your VISA card and charging $80 on your Mastercard instead of using one card to charge both items, can hurt your credit score.
HOW TO IMPROVE YOUR CREDIT SCORE? Pay off all those cards with small balances then select one or two cards that you can use for everything.
“That way, you’re not polluting your credit report with a lot of balances,” Ulzheimer says.