Next, pay all your bills on time, every time. Late payments are like kryptonite to your credit score. Keep your credit card balances low, the less you owe the better. And when it comes to applying for new credit, be choosy about it. Opening too many new accounts in a short amount of time can do more harm than good. Also, don’t close old credit accounts, it might seem like a good idea but it can lower your credit score.

Keep an eye on your credit utilization, that’s the amount of credit you’re using compared to your credit limit, it plays a big role in determining your score. And if you’re really struggling to improve your credit score, you might want to consider seeking professional help from a credit counseling or credit repair service. It may take a bit of time but trust me, it’s worth it in the long run.

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