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There are several ways you can improve your credit score, including making on-time payments, paying down balances, avoiding unnecessary debt and more. Pay off debt rather than moving it around: the most effective way to improve your credit scores in this area is by paying down your revolving (credit card) debt. How To Improve Your Credit Score · 1. Read Your Credit Report · 2. Pay Your Bills on Time · 3. Set Up Payment Plans With Creditors · 4. Limit Applying for New. The Top 5 Things For Raising Your Credit Quickly · 1. Lower Your Credit Utilization Ratio · 2. Make Multiple Payments · 3. Avoid Hard Credit Pulls · 4. Ask For. 4. Learn the legal steps you must take to improve your credit report. The Federal Trade Commission's “Building a Better. Credit.
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