how can you improve your credit score 
whether it s a fico score or a vantagescore the best ways to improve your credit score and keep it in good shape are to pay your credit bills on time every month and to keep your credit utilization ratio as low as possible as a general rule that s under 30 11the bottom linevantagescore says its credit scoring model allows it to assign scores to some 94 of adults so chances are that you have one or will soon vantagescores differ from fico scores in a number of ways but the credit habits that will earn you a good score or a bad one are similar and worth paying attention to if you hope to obtain a loan or other form of credit in the future 