1. Reduce debt:
– Pay bills on time.
– Bring past-due accounts current.
– Reduce revolving debt balances.
– Consider a debt consolidation loan.
2. Increase credit limit:
– Request higher credit limits.
– Transfer balances.
– Become an authorized user.
3. Additional ways to improve credit score:
– Don’t close old credit accounts.
– Refrain from applying for new credit.
