Credit score is the most important factor under consideration for the lenders to take a decision about your loan request.
You can not raise your score quickly and follow systematic approach and you shall manage your credit responsibly over the time.
The most important factor is you shall pay your bills on time.
If payment of a monthly bill is missed by thirty days, it will be reported to the credit reporting agency.
This negative issue remains in the credit report for a long time, that is seven years.
This can reduce your score significantly.
Using the small amount of the credit available is the other way to improve your score.
It is better to use less than thirty percent of available credit.
Then it will show positive affect on your score.
You shall understand that closing accounts are not going to benefit you.
The reason is it reduce the available credit and hence reduce your score too.
If you are having enough money,paying the due bills can improve your credit report.
Having a long payment history is seen in a positive way.
Better not to open many credit lines and apply for new credits.
You can try increasing your credit limit for a better score and report.
Once lenders believe that you are prompt in paying back financial commitments like bills,your application for extra credit can be seen quite positively.
Another option is to pay the balances.
You need not pay all the balances.
You just need to lower the used credit and increase the available amount.