Improve your payment history: Pay bills on-time.
If a payment was missed get current and stay current.

Lower amounts owed: Keep balances low.

• Pay off debt -- don't move it around.
• Don't close unused credit cards.
• Don't open new credit cards you do not need.

_____________________________________________

Take time
establishing your credit history:

Rapid account will look risky.
Responsibly open new
accounts and pay
them off on time.
____________________________