Your credit score will affect every single financial decision you make
. A bad credit score can prevent you from obtaining credit or cause you to pay very high interest rates. There are several things that you can do that will help improve your overall credit score. Paula de la Torre Editor of the "Best Credit Reporting Services" website -- http://www.CreditReportsAndScores.biz/ -- pointed out; Begin by obtaining all three of your credit reports. You want to carefully go through these reports to find and mistakes. Almost all credit reports contain mistakes and they do reflect in your credit score. If you find any mistakes on your report dispute them immediately. The credit bureaus will have thirty days to fix the mistake or remove the item from your report. Make sure that you check all three bureaus since they will all contain different information Make sure that you do not over apply for credit. Each time you apply for financing or credit cards your credit score will be changed. Excessive applications, more than three a month, will dramatically reduce your score. When you apply for too much credit you become a risk. Pay all your bills on time. Utilize the use of automatic payments and always have the payments withdrawn two days before they are due. When all your credit payments reflect paid on time in one month your score will increase. After a couple of months of all on-time payments your score will go even higher P. de la Torre added. Watch your credit limits and balances. If your balances are all to the limit of your credit line you are considered a high risk. Try to keep your debt to credit availability ratio at 50 percent. By having available credit you are showing the credit bureaus you are responsible with your finances and your score will reflect. Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz