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Free Credit Score for Android, View your latest Credit Scores from All 3 Bureaus in 60 seconds.

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Free Credit Score App gives you access to all of your financial information - mortgages, bank accounts, bills, loans, credit cards and, of course, your scores — all in one location, all under one account, Get tips on raising your credit score scale. all for FREE.

Credit cards and credit score?

in order to improve my credit score should i pay the cards off every month of leave a balance? and why

Update : if leaving a balance is recommended explain why and how much balance

You're on the right track in your thinking because the less debt you have the better your credit score will be, the only thing you have to keep in mind is that you want to have credit open to you whether you use it or not so don't close the cards that don't charge annual interest rates. Closing your credit accounts is akin to having less credit available which will hurt your score. So yes, go ahead and pay off your debts and then watch your score go up (with myfico score tracker that gives you live updates as they happen) -- then go back and clean up any mistakes on your credit report. In a short amount of time you'll discover a nice boost in your score.

For more ideas here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year:

1. Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed below. It really helped my get my score up.)

2. Never Miss a Payment, Starting Today

3. Never use more than 20% of your Available Credit

4. Keep Credit Cards that Have No Annual Fees Open For as Long as Possible

5. Extend Your Credit Limit on Cards You Already Have before You Get New Ones

6. Get Credit Cards that Have CashBack Rewards to Contribute to your Balance

7. Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Free Credit Score

8. If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan

9. Take out a Small Personal Loan and Repay it Over a Year

10. Ask Someone With Good Credit if They will Account Shadow you

Find out freecreditscore.com what information is included and how to correct inaccuracies. Learn what factors can affect your credit score and get helpful tips on how you can improve your score.