how to improve your credit score?

Public Comments

1. Never make last payments. Use only 50% of your credit cards if you have any.
2. Don't apply for any credit, as searches are recorded to your credit file, and creditors don't like any searches in the previous six months. Pay you bills on time, even if you can't go out! That's how I've got my credit score up! If you live in the UK, Credit agency Equifax updates once every 30 days, but Experian updates every 24 hours. So beware when applying for credit. Most places use Experian.
3. clear ur debts
4. Stop spending above your means
5. hi don't use more cards and each card has date for billing. check with your bank they will advice your card billing date. while purchasing after the billing date use the card u will get the nice credit date ....try it one time than u j\came to how it's wroth
6. as others have said, pay your bills ON TIME, even if its the minimum on your Credit Card. I have a very high credit score, and its been because I am faithful to my credit cards (don't have more than 3 that I use carefully), I am on time with my payments and I clean up my debt as soon as possible. That makes me a good person to lend $$$ to, since I'm show that I am not a default risk.
7. Besides all the other advice you just received, I will tell you how i raised my score. I went to a furniture store and got a low priced table on credit. I paid it off in 3 months. Then I went to another furniture store and bought another table. These were just side tables for bedrooms. i paid it off in 3 months. I just keep purchasing small things on credit. Paid on time, and always 3 months. Boy it sure works good. And easy and cheap to do. Good luck, I hope it helps.
8. Pay all of your bills on time. Always pay over the minimum on credit cards. Ideally you should pay at least double the minimum payment that was required on the highest balance you carried. Pay 10% of the balance plus the current interest whenever possible. NEVER carry more than 2 credit cards of any type. Live within your means. Never pay for something on credit that will be used up before the loan (or credit card) is paid in full.