Raising your credit score

Tribune reporter

In this era of tight credit, credit scores are king, and lenders have gotten pickier. A score of 720 used to be considered prime. Now, many lenders prefer 750 or higher.

To find out your score, go to CreditKarma.com or MyFICO.com, which is run by credit-scoring firm Fair Isaac. This is different from your credit report, which details your payment patterns but doesn't provide a specific score.

If your score could use some work, there are a few things you can do:

•First, check your credit report to see if there is any old or inaccurate information that shouldn't be showing up.

•Then play around with the simulators on the MyFICO or CreditKarma sites to see the effect of, say, paying off one credit card balance completely.

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