How can you improve your credit score?

Your credit score mainly reflects how reliably you repay borrowed money. The biggest factor is payment history, so pay every bill on time, since even one missed payment can hurt. Next, keep your credit utilisation low, ideally using less than about thirty percent of your available limit. Avoid applying for lots of new credit in a short period, because each application can leave a mark. Keep older accounts open, as a longer credit history helps. Check your credit report regularly and dispute any mistakes, which are common and can unfairly drag your score down. Improving a score takes months of steady, responsible habits rather than any quick fix, so consistency matters most.