Ok, you know you're adulting when you get excited about a boost in your credit score. Well, If you're like me and have a credit monitoring app on your phone, you might have just gotten a nice little boost. Or, you may have been one of the millions who was hurt by a new version of the FICO credit score.

According to Yahoo, FICO unveiled a new version of their credit score yesterday called FICO Store 10. The new version aims to "have a broader view of how you manage your debt."

Instead of looking at the entire history of your credit, it will look instead at your financial habits within the last 24 hours to determine "if you’re a risky borrower." According to Yahoo, about 40 million Americans will love the change -seeing approximately a 20 point jump. While the same amount of people will see those 20 points dropping.

So, hopefully, you've been a good little borrower over the last two years so you can see that change in a positive direction! Here are some tips that can help you get your credit back in order (via Yahoo):

  • Pay your bills on time, all the time.
  • Keep balances on your credit cards well below their limits.
  • Don’t apply for too much credit, too often.

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