When your credit score is high you are considered a credible investor and your objective is to maintain your score to the highest number possible. How to do that? Follow these proven steps to do it:

1. Order individual reports rather than ordering in group. This will lessen your chance of getting involve in future problems. You can also start a dispute over the internet faster this way because ordering by bulk takes some time. Don’t worry about how much it would cost you by doing individual credit reports purchase because when you already get the scores that you want, every investment you made will be paid off!

2. Ask your credit card agencies to boost your credit card lines. This can help increase your credit by as much as 60 points and improves your credit to available ratio amounts on your account.

3. The best ratio to have the cheapest possible outstanding debt-to-available-credit ratio is 25%-35%. You can start to reorganize your debt to achieve this.

4. Credit reports are generated as soon as you pay down your cards. Pay your debts on time to easily achieve your desired ration as being described on tip number 3.

5. The reason why your credit score decreases is because of the high debts shown on your credit reports. You can change this by looking for lenders who don’t mind tracking records or making reports of your debt. You may seek help from good friends and family who trust you with these matters. Just remember to invest your money wisely and don’t break the trust given on you!

6. There are really times where you can receive wrong credit reports that affect your score but it is easy to alter this. You can fax the incorrect credit report to the credit agency and in most cases they would correct your credit reports immediately.

7. Increasing your score is the most ideal way to suspend the derogatory items from your credit report. You can do this by initiating a dispute online in each service. Once the dispute is solved your score will change dramatically but expect some reprieve while your dispute is being solved.

8. Lenders choose your middle score than your other scores with your business dealings, which means this score is the one that matters most. Now work on increasing your middle score so that the former highest score that you got will be selected by lenders the next time you transact business with them.

9. Ask your friends or a family with good credit history to include you to their card. Your social security number will be included to their account and their good reputation as credit card holders will show on your reports, increasing your score! If you have any negative credit reports it won’t show up to their record because their social security number remained confidential and was not added to your account.

10. Pay the full amount immediately if you receive reports with information that you haven’t paid your debts yet so that the negative items will be removed from your your credit report. In most cases the debt will be immediately deleted from the credit agency.

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