I like to offer my clients tools to improve their credit scores. One of the greatest tools I have come across is Boost with Experian. Using Boost could improve your credit scores almost instantly and yes, it is free. Check it out, you may be able to improve your FICO score with popular bills you pay monthly such as Netflix, AT&T, Verizon, utility bills, and rent. My clients follow up with me and they share their boosts in credit scores with me.