Your credit score is determined by your payment history (35%), amounts owed (30%), length of credit history (15%), new credit inquiries (10%), and types of credit (10%). Common ways to improve your score include paying all bills on time, not applying for too many new credit lines at once, avoiding maxing out credit cards, and keeping older credit accounts open. Scores range from 300-850, with 300-649 considered poor, 650-699 fair, 700-749 good, and 750-850 excellent. For more details on helpful habits to increase your credit score, contact Bob McIntyre.