Ah credit, what a mysterious thing you can be. In a perfect world, the credit reporting agencies (Trans Union, Experian and Equifax) would give us clear cut guidelines as to how they calculate your credit score and convince us that there is a method to their madness. Alas, they leave us lost in darkness to fend for ourselves. If you have ever had to deal with any of the credit agencies in correcting duplicates, outdated accounts or flat out erroneous information, you know this is no simple task. It is often a several month long, knock down, drag out contest of wills to see who gives in first. That being said, there are some specific things you can do to proactively improve your overall credit and therefore your credit score.
