 
How to Improve your Credit Score
The best method to improve credit scores when considering any type of scoring model is to pay all bills in a timely manner, pay down outstanding debt and credit balances and avoid incurring new debt.
Being denied credit
The Equal Credit Opportunity Act obligates a creditor to inform a person of the specific reason credit has been denied. A person has the right to request this information for a period of 60 days after denial of credit. It is incumbent on the creditor to be specific.
If the denial of credit is the result of any detail on your credit report, the creditor is obligated to provide you with the name and address of the credit reporting agency that supplied the information. You can then contact the credit reporting agency for information about the details of your credit report. Although the credit reporting agency can tell you what's in your credit report, they cannot tell you the reasons why any creditor denied your application for credit.
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