[MichaelMorgan]

I'm trying to learn how different habits affect credit scores. My score is about 650 and I'm working on raising it by paying off debts and paying bills on time. I know that having a long credit history and different types of credit accounts also matter.

What is your credit score and what simple tips have helped you keep it high or improve it?

[Olderguy]

Experian Boost can help and it's available on their site - it's free. Credit utilization is best when at 30% of your credit limit or below. You can go to creditchecktrotal.com, pay $1 and get all three reports and scores. You have to remeber to cancel afterwards. That's what i use for all my real estate loans for clients.

[abfunders]

Experian Boost is a waste of time. Nobody checks that FICO model that Experian adds your gas bill to the report.
Creditchecktotal.com is JUST Experian.com, CCT made it notoriously impossible to cancel your subscription, wait on the phone for 3 hours and maybe they'll let you cancel, and they got sued and sold off to Experian.
There's a better service out there, IdentityIQ, @OP you can use my affiliate link: www.abfunders.com/idiq