Here are some tips on building your credit score.

›If you have missed any payments, get current and stay current. 35% of your score is based on payment history.

›Keep balances low on credit cards and other “revolving credit.”

›Apply for and open new credit accounts only as needed.

›Have credit cards — but manage them responsibly.

›Closing unused accounts won’t necessarily raise your score — in fact, it may lower your score.

›Pay off debt rather than moving it around.

›Fill out all credit applications exactly the same.

›Review your report annually and dispute any inaccuracies with all three credit reporting agencies.

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