Your credit score is an important part of your financial plan.

Taking measures to improve your credit score without increasing your debt is important because a great credit score helps you build a solid financial foundation.
There a several ways to improve your credit score, but 3 factors play a huge impact on your credit score. They are :

Your payment history

This is your ability to pay your bills on time and also reflects any late payments you may have had. Of the 5 factors that are used to calculate your credit score, payment history has the greatest Impact on your credit score. To improve your payment history,

• Pay bills on time and in full

• Automate payments

Your Credit Utilization

This is the amount of available credit that you are using in your cards. The lower your credit utilization, the better your credit.
Your can improve your credit score by decreasing your credit utilization.
To do this, you should:

• Pay down debt or pay credit cards in full each month

• Increase total limit on credit cards.

The third factor that can help improve your credit score is:

The length is your credit history.

This is how long you have had your credit accounts. It can be challenging to make any alteration to the credit history as it is based on time. But some taking precautions to decrease the length of your credit history is helpful.

• Avoid opening new accounts

• Become an authorized user on someone’s credit card with great credit to lengthen your credit history.
  

Other things you can do to improve your credit score include;

• Get a secured credit card to establish credit history

• Use the Annual Credit Report check credit report for any errors and correct them immediately

• Avoid applying and opening new credit accounts frequently

• Keep credit age greater than 5 years

Experian also suggests using Experian boosts to improve your credit score.

Experian Boost gives you credit for paying your utility bills on time; a factor that is not otherwise included in the calculation of your credit score.