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Once you know your FICO score, you can create a plan to improve your credit score more easily.

Once a year, request a score from the top three bureaus – Experian®, Equifax®, and Trans Union®.

That’s why you need to keep the credit cards open for the time being to maintain a lower utilization.

If you are having an issue maxing out a particular card with a lower limit, try to spread your spending out across another card.

If you haven’t been keeping up with your payments, it’s likely that your credit score has dropped substantially.Paying down the cards quicker will help with your credit utilization (see Tip #3 below about this).The only caveat is that you must not spend any more on these cards where you’ve just cleared the balance, or you’ll head right back to where you where – bringing us to the next point… What site features do I have access to using a free membership? I see some profiles are highlighted and are listed at the top of searches. I see that some Naughty Now posts are hightlighted and at the top. How long will this site remain free before you have to pay for a membership?

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