You say this sounds too good to be true?  Trust us, it's good and true.      Call your creditors and ask them to increase your limit on your credit cards. 

You're probably saying:  Ask for more credit?  That's correct!  Increasing your credit limit is one of the fastest ways that you can increase your credit score.  And a higher credit score means lower interest rates on mortgages, car loans, etc.  The key is not to use the extra available credit.  If you do, you only defeat the purpose of increasing your credit score.  

The reason your credit score increases is because it reduces your balance to limit ratio.  If you decide to ask for credit card limit increases on more than one credit card, be sure to ask for the increases within a 14 day window.  Credit inquiries within a 14 day window count as one inquiry, instead of multiple inquiries, which normally lowers your credit score.  

What is a balance to limit ratio?  The balance to limit ratio compares your monthly payments on all of your debt to your total monthly income.  The ratio basically  tells lenders/creditors if you make enough money compared to what your debt load is. 

The balance to limit ratio applies to credit cards only.