1. Be prompt in paying your bills. The idea of improving credit score depends on how well you can meet the deadlines. Remember that any unpaid bill will have an adverse effect on your credit score.
2. Never acquire a new debt without settling the old ones. This is a sound financial principle. You cannot create another problem if the same kind has not been solved.
3. Maintain a low balance on your credit cards. Use your card only on purchases you are sure you are able to pay. Otherwise, paying in cash is the best option.
4. Arrange a payment plan with your creditor. This act is showing good faith on your part. Most creditors are willing to extend help when needed. After all, if you are not able to pay, it’s their money they are losing.