There is no mystery about how people can improve their scores.
Credit scores reflect people's long-term patterns of credit use and repayment history over time.
Scores automatically improve as one's overall credit picture gets better. That means showing an historical pattern of paying your bills on time and using credit conservatively. Maintaining good credit is a lot like maintaining a car - you want to make sure it is always in good repair, and attend to any problems right away. A few specifics Remember that you are ultimately in control of your credit score. The best way to be eligible to receive credit is to responsibly manage your credit obligations.