#5 Make Your Payments on Time
Every time you miss a payment, your credit score drops. That is why it is important to make your payments on time, every time. Studies show that doing so can raise your credit score significantly in just one year.
#6 Decrease Your Debt
The more debt you have, the lower your score will be. FICO scores rely heavily on how much debt you have compared to have much credit you have available.
One way to decrease debt is by using the debt snowball plan. To use this plan, pay off your smallest bills first and finish by paying off the largest one. Each time you pay off a bill, use the money from the first bill to help pay off the next, thus creating a snowball effect.