 TITLE: What Is UltraFICO and How Do I Use It? CONTENT: Other Ways You Can Boost Your Credit Score\n------------------------------------------\nWhile the UltraFICO™ Score isn't yet widely available, you don't have to wait for an opportunity to improve your credit score.\nExperian Boost™† is a tool that allows you to use positive payment history with your utility and telecom providers to increase your FICO® Score instantly. Simply register and link your bank accounts, then identify the payments you want to add to your Experian credit file. The FICO® Score that's based on your Experian credit file will be updated immediately to reflect your positive payment history.\nYou can also improve your credit score by continuing to build your record of good debt management. Doing the following can have a positive impact on your credit scores:\n*   **Always pay on time.** Your payment history is the most important factor in your credit score, so make it a goal to pay your bills on time every month. If you're behind on any payments, try to get caught up as quickly as possible.\n*   **Keep credit card balances low.** Even if you pay off your credit card in full every month, try to keep your balance relatively low. And if you carry a balance month to month, paying down your credit card debt can be the wise move.\n*   **Avoid unnecessary credit.** Every time you apply for credit, a hard inquiry gets added to your credit reports. Hard inquiries can temporarily ding your score, so avoid applying for new loans or credit cards unless you legitimately need them. If you're denied, take time to find out why and address the problem before you apply again. Your lender must provide an \"adverse action notice\" if your application is declined or you do not receive the best terms available. The notice will give you a great start on determining what you need to do to improve your credit scores.\n*   **Get added as an authorized user.** If you have a family member with a positive payment history on their credit card account, ask if you can be added as an authorized user. The account's full history will be added to your credit history even if you don't use the card to make purchases.\nIt can take time for these actions to have an impact on your credit score, but developing and maintaining positive credit habits can help you achieve those long-term goals like financing a car or buying a house. END