A credit score is a number assigned to your credit history; that means that a credit score is not built overnight. It reflects your financial actions over time and cannot be repaired magically or through “tricks.” It is possible, however, to raise your score in a reasonable amount of time by using credit responsibly and wisely.

Do not overspend. Credit cards are not designed to be used as a way to finance an extravagant lifestyle, so if it is going to take you a long time to pay off your debt, don’t charge that expensive luxury.

Pay off your credit cards or other revolving credit as quickly as possible. It is best if you can pay the balance on your credit cards in full each month, but if you sometimes can’t, don’t backslide and give up. Pay as much as you can – never less than the minimum – and keep paying until the balance is gone. While paying your balance down, avoid using the card for new purchases.

Avoid opening up several accounts at once. Each time you apply for credit, your credit history is checked. Too much activity over a short period of time decreases your score and is seen as risky behavior by lenders.

Pay everything on time. That includes your mortgage or rent, your utilities, your cell phone bill, and your secured and unsecured debt. By far, showing that you can pay what you owe will help improve your credit rating and make your financial life easier in the long run.

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