Check Your Credit Report: Obtain a free annual credit report to identify errors or discrepancies.
Pay Bills on Time: Timely payments of bills and debts positively impact your credit score.
Reduce Credit Card Balances: Aim to keep credit card balances below 30% of the credit limit.
Avoid Opening New Accounts: Each new credit inquiry can temporarily lower your score.
Diversify Credit Types: A mix of credit, like credit cards and loans, can improve your score.