1. Pay your bills on time.
This is the best way to improve your score, and it's never too late to start. Even if you've had serious delinquencies in the past, those will count less over time if you keep paying your bills on time.
2. Keep credit card balances low.
High outstanding debt can pull down your score. Don't go maxing out your credit cards all the time. Only put 20% of the total amount you can put on the card also this helps raise your score.
3. Check your credit report for accuracy.
It's possible that there may be inaccurate information on your credit report that can be easily cleared up .
4. Pay off debt rather than moving it around.
Consolidating your credit card debt onto one card or spreading it over multiple cards will not improve your score in the long run. The most effective way to improve your score is by simply paying down the amount you owe. The reason is most of the time its a revolving debt.
5. Keep your credit cards - but manage them responsibly.
In general, having credit cards and installment loans that you pay on time will raise your score. Someone who has no credit cards tends to have a lower score than someone who has managed credit cards responsibly. Pay them off and destroy the card but leave about four accounts open this will raise your score.
6. Opt out of receiving credit cards