Improving your credit score is a gradual process that requires consistent effort. Firstly, obtain a copy of your credit report from each major credit bureau and review it for errors. Dispute any inaccuracies to ensure your credit report reflects accurate information.

Pay your bills on time, as timely payments significantly impact your credit score. Set up automatic payments or reminders to avoid missing due dates. Keep credit card balances low, aiming for a credit utilization ratio (credit card balances compared to credit limits) below 30%.

Avoid closing old credit accounts, as the length of your credit history influences your score. Keep these accounts open and occasionally use them to maintain an active credit history.

Diversify your credit mix by having a combination of credit cards, installment loans, and retail accounts. This demonstrates your ability to manage various types of credit responsibly.

Be cautious when opening new credit accounts, as multiple inquiries can negatively impact your score. Apply for new credit only when necessary and in moderation.

If you're struggling with debt, consider debt consolidation or negotiation with creditors. A well-managed debt repayment plan can positively impact your credit score over time.

Seek professional advice if needed. Credit counselors can provide personalized strategies to improve your credit score. By consistently practicing responsible credit behavior, you'll see gradual improvements in your creditworthiness over time.

Read also: How to handle credit card payments