Raising a credit score is not always easy and not something that can be done overnight. There are several credit best practices that will raise your rating over time:
- Pay your bills on time. This is extremely important. Collections and late payments can lower your credit scores.
- Reduce your credit balances. Maxed out credit cards will lower your credit score.
- Don’t apply for credit often. This reflects poorly on you and your rating.
- Establish credit history.