Whenever you apply for credit, a computer analyzes your billing history, payment history and other data that appears on your credit report.

The results are a credit score, which is the basis for your interest rate. To improve your credit score before applying for a credit card follow these easy steps. Order you credit reports and review them.

There are three credit report providers in the United States. Obtain a copy from each and review them carefully. Notify the credit bureaus in writing if there are changes that need to be made.

Review all of the information on the report. Did you have accounts with all of the creditors listed? If not challenge in writing each of the errors you find on your credit report.

Send your letter by registered mail so that there is a record of them getting the correspondence. Make sure credit bureaus have your correct address. If credit bureaus have more than one address or and incorrect address they will think that you move around a lot, which in turn can lower your score.

Don't use a post office box for your home address. This often signifies instability to credit-scoring companies. Reduce the number of open credit lines. Cancel cards you no longer use, even if you have paid off your balance in full.

Lenders view open accounts, even with zero balance, as potential unpaid debts. Do not apply for credit at a lot of different places. This lowers your score each time an inquiry is made on your credit status.

If you are rejected, challenge the score and ask to talk with someone about the report. Be reasonable and interested in clearing the problem, not angry or outraged.