2. Keep low balances. Instead of within the 0-9% utilization of your revovling account, have the balance around 3%. Then explain to the creditor that this methos increases the fico score a little higher. Also tell them that you have the funds to pay the accounts to a zero balance.
3. Excessive credit, meaning no more than 4 credit card accounts unless you are running a business.
4. Too many inquiries makes lenders think that you are a higher risk. No more than 2 inquiries within a 2 year period.
5. On vehicle laons you need to show stable payment history by going 4 years on payments. 6 motnhs to 2 years of paymenst is not very much. 35% of your score is payment history.