Lately, consumers are getting a better grade concerning how they use their credit. According to FICO, more consumers using credit are effectively managing it, effecting a slow but steady improvement. FICO Score, the best among many credit score companies , found the national average score currently at its highest level in nearly a decade. It is a commendable trend since a credit score is one of the crucial factors that lenders use to get an outline of the distress involved. It helps decide what rates to offer on credit cards andany other type of loan. Thebigger the credit score,the better the standard for which consumers will qualify. In this article, we are going to look at different ways to improve your credit score . Check Your Credit Report You are eligible for a free credit report annually from the three reporting agencies. The information in your credit report establishes your credit score. Unfortunately, credit reports encompass a lot of mistakes th...