Pay your bills on time. Don’t be late and don’t have too much credit. Your credit score is just your ability to pay the banks on something your agreed on. It isn’t something that can be done in a few weeks. It takes time. Pay your credit cards done but don’t close them. It increase your debt %. Example. If you have 100,000 worth of credit and you have used 90,000 of it you have 10% available to you. If you pay of debt and leave it open it shows responsibility. If you have 100,000 worth and only used 50,000 you have 50% available. There is a happy medium you’ll have to find. Good Luck

Credit is based on how much credit you have available to you to the debt you have accumulated. If you have a credit card that is 1000 limit and you use 500 dollars of that your debt to credit ratio is 50%.

The best way to increase your credit score is to pay down your credit cards or pay them off. You need to pay them on time every time and do not go over your limit or even close to your limit.

Do not close them once they are paid off. This will lower your score and your debt to credit ratio will lower your score as well. Say you have two credit cards and 1000 limit on both. You have 900 on one and you pay off the other. You close that account. Now are have a 90% credit to debt ratio. Your score will go down, because you have reached almost your maximum amount available to you. The best choice is to pay down as much as you can.

You could also open another credit card and your limit will increase therefore lowering your debt to credit ratio which improves your score, but I would use this as a last result if you have a spending problem or are tempted to use the card.