There are various ways to improve one’s FICO® credit score.
Payment History (35%)
The longer the history of timely payments, the better. Make payments on time.
Amounts Owed (30%)
Credit utilization, or the percentage of your available credit that is being utilized, has an impact on your credit score: the lower it is, the better your credit score will be. Pay off as much debt as you can and don’t lower your credit limits if you don’t have to.
Length of Credit History (15%)
Don’t close any credit accounts, as it may negatively impact your credit score. The longer the history you have to show, the better.
New Credit (10%)
Applying for a lot of new credit in a short period of time can lower your credit score, so don’t do it.
A miscellaneous tip that doesn’t exactly fit into a specific category:
Check your credit report for errors