It may be surprising to you, but not having any debts isn’t going to give you a better credit score. This is because, to build up your credit, you must to be using some form of credit. You aren’t going to be able to build credit on nothing. It seems somewhat silly that not going into debt wouldn’t help improve your score, but it’s true.

The way this works is that the credit bureaus pay attention to how you have used the credit lines in your use. They want to know how well you pay your debts and they want to make sure that you pay your debts in a timely manner. Not having any credit use doesn’t give you a perfect score, it will actually cause harm to your credit. You don’t need to bring yourself really down into debt to do this.

The secret is to be using your credit line, but to get your bills paid off as fast as you possibly can. This is what is going to help you to get decent score. You can keep track of your score by going to a variety of web sites that are set up by the credit bureaus. You will want to make sure that all your good activities are being reported correctly.