Maintaining your financial portfolio these days is extremely important. In fact it's never been more important than in this failing economy where in order to borrow money you must have A + credit. Many people have small things that can drastically change their credit score and they have no idea these techniques even existed.
One main thing that is holding back many peoples credit scores is the fact that a large percentage of credit reports have errors on them that are holding back the score in upwards of 100+ points. You see, on a credit report the smallest numerical error can ruin your credit report, leaving you with a low score and no borrowing power if you ever needed a house, car, or any other big purchase.
So here's what you need to do. You can grab a free copy of your credit report online, which few people realize. Once per calendar year you can have one sent to you which will allow you to find any errors that have been reported.
Next thing you need to do is just go through the report and make a note of all the errors you see. A quarter of all reports have some sort of error on them, so the odds are good you may have something on there that is inaccurate and holding you back some.
After you have this information you can actually have it disputed with the credit bureau's. If they can't verify that it's accurate they will have to have it taken off. Sweet deal right? With these little changes your credit score can jump in upwards of 100+ points in only 30 days.