There are many actions that you can take in order to improve your credit score, the most recommended ones are: Make all your monthly payments on time: Even though it sounds like something most individuals should be aware of, in reality just a small percentage of individuals will truly automatize their payments or will follow a strict payment plan with unbreakable days and times to proceed with the payment. By making sure the payments will be taken care of you can sleep at night knowing your score will be taken care of. Keep credit cards under a tight leash: Not only paying them on time but also avoid a high usage of your credit line as it will immediately start impacting your score. Apply for new credit only if needed: As mentioned in question number two, avoid requesting credit unless you are truly planning on using it. Not only you don't want credit agencies doing hard inquiries on your score but also you don't want to have such a large line of credit since it will start acting as a barrier for other types of debt. Aim for long term credit: If done properly it will help you achieve a historical record and will provide you more data to be used for all the calculations. This will help you smooth any dents in your score.