New ways to improve your credit!

I just went to a seminar yesterday and learned some great new tips on how to raise your credit score! First of all, pay your accounts down to below 30% of the available balance, if not completely off. Don't close accounts even after they've been paid off. Did you know that any derogatory things on your credit report are able to come off after 7 years? If there are derogatory items on your report, write a letter to the credit bureaus asking that they be removed! Pay whatever costs are involved to get unlimited access to your credit report AND credit scores. Monitor your credit closely, and small changed like these can make a big difference in your scores, allowing you to qualify to borrow more money with less money down! Happy credit score raising!!!