The number one thing you can do to improve your FICO score yourself is to manipulate your revolving accounts. Under the FICO model, the ideal person should have 3-5 revolving accounts. If you don’t have 3-5 revolving accounts visit out rebuilding credit tab and go apply for some!

Make sure to keep your revolving balances under 30% of the credit limit. The latest version of the FICO software is heavily weighing the aggregate total of your revolving accounts but since most places have not implemented the latest software, I still recommend keeping your balances below 30% on each of your revolving accounts. The higher your balances the more points will be subtracted from your score. Also try to have balances on no more than four of your revolving accounts.