how can i raise my fico score?

Answer 1

A lot can be done, let me give you a few tips.

View your credit report for errors and paid items and get them corrected.

Pay off judgments and liens.

Close lines of credit not used.

Keep two to four lines of credit open but use only 30% of credit limit.

Watch the number of inquiries on your credit report, do not have it pulled unless needed.

Answer 2

Always pay your bills on time. A consistent, on time payment history goes a long way.