Improve your credit score by getting a copy of your credit report from all three credit reporting bureaus, checking that all information is correct, paying bills on time and lowering your debt ratio. Pay off bills to get a better credit score with tips from acertified financial consultant in this free video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz