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.