Achieving a high FICO credit score is done by correcting errors on a credit report, not using credit cards more than necessary, keeping an eye on credit scores and paying bills on time, according to U.S. News & World Report. Consumers should also limit the number of hard inquiries made on their credit and realize that improving their credit scores takes time.
Consumers should know their credit scores can differ from scoring model to scoring model, notes U.S. News & World Report. A high score for one model may not translate to an equally high score for another model. Credit scores also change over time because they are in a state of flux and because repeating the steps used to attain a high score at one point may not work when repeated later.
Mistakes and errors on a credit report can lower a person's credit score, making it necessary for him to attain a free credit report to ensure all information on it is accurate, according to U.S. News & World Report. It's also good to only use 1 to 20 percent of total credit limits. Doing this shows that an individual knows how to use credit responsibly and that he doesn't depend on his credit to meet financial obligations.