Good score is crucial for anyone who is looking to have a good financial life. Good credit scores are preferred and come with quite a lot of different benefits. If you have made a mistake and not paid your debt on time, you're going to find that your credit score has decreased. (Related: 23 Donts and Dos for Healthy Score) If you're looking to improve your credit score to get accepted into one of the higher-end cards, you need to start lower. There are credit cards that are used to improve credit scores, called Credit Repair Cards. These aren't the only thing you need, though. To improve your score, you need to be responsible with your purchases, and pay off your loans on time. Building up and repairing credit takes a strategy. If you're careful, you're going to improve it in no time at all.