How to Improve Your Credit Score

By Amanda Taylor, NEWS 9

The "Road to 850" is the title, and author Al Bingham's talking about the goal to obtain the perfect credit score. But even Bingham admits he hasn't seen an 850 in all the credit reports he's poured over. He said you'd need 45 plus years of amazing credit history to reach that number. But he said what we all should strive to get is at least an 760 or higher.

So how do we get to 760? The first mistake I made was not having enough "Golden Accounts." Bingham said these are credit cards that you've had for 10 years or longer. He suggests I add my name to my husband's credit card account (I'm making the payment on it anyway – so why not!). That way I'll have an extra account in good standing on my credit history, and if something ever happened to my other account, I wouldn't have to start all over.

There were other mistakes I've been making that I didn't realize were mistakes. Bingham points them out and gives all of us 5 steps to improving our credit score. He's also offering to help a few others with a free personalized plan of attack.

Watch NEWS 9 tonight at 5 p.m. for all the details.