 TITLE: What Is the Easiest Credit Card to Get With Fair Credit? CONTENT: How to Improve Your Fair Credit Score\n-------------------------------------\nImproving your credit score could be one of the keys to getting approved for more credit cards, and there are few important steps you can take:\n*   **Pay down credit card debt.** If you have credit card debt, paying down your balances could help lower your credit utilization ratio and increase your scores.\n*   **Pay off past-due accounts.** If you have accounts that are currently past due, bringing the account current could help your score. And regardless of any effects past-due accounts have on your credit score, card issuers might deny your application if you have an account with the issuer that's past due or over its credit limit.\n*   **Make on-time payments.** Paying your monthly bills on time can help you build a positive credit history and increase your credit scores.\n*   **Look for errors in your credit reports.** Look for erroneous negative information in your credit report. You can file a dispute to have incorrect information removed so it can't hurt your credit scores.\nImproving your credit scores can take time, but it's well worth the effort. Good credit can help you qualify for more favorable rates and terms on loans, and, in many states, even save you money on insurance. END