Dear Liz: I am trying to get my credit score figured out and was wondering if you have any recommendations for a credit report guru in my area? Understand first that you don’t have just one credit score: You have many, and they change all the time based on the information in your credit reports. Consider signing up for a service that provides you a free score that you can monitor over time. (You may be able to get a free credit score from your bank or a credit card issuer. In general, you can improve your scores by paying bills on time, using 10% or less of your available credit limits and having a mix of credit types (credit cards and installment loans).
