How to Boost Your FICO Score wanted to share the four mistakes that can ‘hurt’ a credit score — be careful not to max out those credit cards. Potential lenders also care about how much a person is charging on their card, because the more they spend the less likely they will be able to repay the debt — this is where credit card utilization comes in.

Borrowing money today requires impressing an increasingly hard-to-please crowd. With creditors of all kinds more cautious than ever, you need an A+ application to land the best terms — and that means an A+ credit score, the number lenders use to judge your risk of default.

If you’re one of the many people who prefer not to carry credit cards, the Sleep Country no credit needed plan may be right for you! You can apply online now and if you’re approved, simply bring in your application’s approval number, a copy of your photo ID, and the required items listed in the FAQ section below to the Sleep Country store nearest you.

Having more than one credit account can boost your credit score. If possible, strive for at least three good accounts.

Keep in mind that changes in your FICO score take a long time to occur but if you live by the following guidelines, your credit score will improve over time.