Here's the deal, you have been working for last couple of years to make sure your credit cards and loans are getting paid on time but you have yet to see any significant improvements in your credit score. Here are a few  tips on how you can get the score just a little higher.

If you have had an excellent payment history as of late with a credit card I recommend that you call and ask them if they could delete your late payments from the past as a goodwill gesture. The worst thing you could hear is "No" It's in the best interest of the credit card company to decontaminate your payment history to retain your business.

The higher percent of available credit the better, but having the balance at Zero could also hurt you. Trying to improve your score is like a waltz. Except the other party is standing in the middle of the ballroom admiring the marble floors. So how much of your credit should be available you ask? The answer is from 10-20%. I always recommend that you try to stick it right at 15%.

You're probably wondering why the banks don't want you to know how to improve your credit score. But it seems to make sense once you put some thought into it. The lower your credit score, the higher your interest rate. The higher your interest rate, the more that the banks make. Do you really think that a Car company like Toyota wants to give you a 0% interest? No. They want to charge you whatever they can.

The most important thing to remember is that nobody is going to take care of you the way you will.