Asked by Karen  |  Submitted October 23, 2016

My credit score is low and I need to improve it, but not sure how or why it's so low?

There aren't any bad things still on my credit, so why is it so low at 635 and what can I do to raise it?

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  Answers  |  1

October 24, 2016

There are a surprising number of things that can impact your credit score that many people don't realize. The amount you owe in relation to your available credit is one. The easiest way to improve your credit is to monitor it and pay attention to what actions increase or decrease your score. The MoneyTips Credit Manager gives you access to not only your credit score for free, but also your full credit report. Once you sign up you can also activate features such as the Debt Optimizer and Mortgage Planner, all for free. Good luck!

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