how can i better my credit score

The best way to improve your credit score is to demonstrate consistent, responsible management of credit.

• Make all loan and credit card payments on time, as payment history is the most crucial factor.
• Keep your credit utilization ratio low—aim to use less than 30% of your total available credit limit.
• Limit new credit applications, which result in hard inquiries that can temporarily lower your score.
• Maintain a long credit history by keeping old, paid-off accounts open.
• Review your credit report regularly to ensure all information is accurate.