Optimized Credit Report & Score...

You follow this 7 steps :

1. Nothing negative shows on your credit report.

2. Minimum 2 or 3 Revolving accounts.

3. At least one installment loan as (student, home, equipment, etc).

4. Oldest account most be open at least five years old.

5. Large credit limit helps.

6. Minimal inquiries.

7. Correct full personal information.