@tito_thompson 1. Pay your bills on time: Far and away the most important thing to do in order to improve your credit score is to always make your payments on time. Late payments can have a major negative effect on your score.
- Reduce your credit card debt: Any time your credit card balance is higher than 30% of your credit limit, your credit score can take a hit. So try to pay down your high credit card balances and don't rack up new debt.
- Don't close unused cards with a balance: Closing credit cards can have a negative effect on your credit score, so try to keep open any accounts that you have a balance on, even if you don't use them.
- Check your credit report regularly: Make sure to review and monitor your credit report for any errors or suspicious activity and dispute any inaccuracies. You can access your credit report from the credit reporting bureaus or from a reputable online credit monitoring service.
- Build up your credit history: You can improve your credit score by adding positive information to your credit record. Consider opening new accounts, such as a secured credit card, or taking out small loans, and then make sure to pay them back on time.