I bought a car recently and be given 15% interest, with a co-signer. Attempting to improve my credit beforehand, I get a Macy's card a couple of months ago, along with a Target card. I've also had a Student Credit Card beside Bank of America for almost a year now. I didn't know that opening sundry accounts would make a negative impact on my credit, however.

Does anyone hold any suggestions on improving my credit, in hope for getting a refinance on my vehicle sometime in the future for a lower interest and only a better credit score in nonspecific. I've just turned 19 and I would like to be informed of the ins and outs of credit evaluation for a better financing on a house someday, also. I was thinking that maybe I should stop my Macy's card or something but I've read some comments that this may be bad for my credit also so I don't know.

Any advice will backing. Thanks for taking the time to read (:

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Answers:    You can do the following to improve your credit score:

1. Pay your bills in good time.
2. Transferring balances too often lowers your credit evaluation, so try to pay them off instead of moving them around.
3. Try to use your credit cards smaller number. And if possible, pay them past its sell-by date every month. The bigger the space between your total credit limits and the balance you fetch, the better.
4. Do not close your old paid-off accounts. By closing them, you shorten your credit report, which somehow makes you give the impression of being less creditworthy to the lenders.

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