Here is some good credit advice to help increase your credit score.
Always pay your bills and pay them on time. Payment history is 35% of your credit score.
Don’t borrow more than you can afford. Excessive debt can keep you from reaching financial goals. Your debt ration counts for 30% of your credit score. Your debt should be less than 30% of income.
Make sure you have money and credit available for emergencies and make sure you have a credit history. Paying cash for everything is great , but if you need a loan or mortgage, you will need a credit history.
Watch your credit cards and bank accounts for signs of fraud. Check your credit report regularly. There are 3 agencies and aech will give you a free report per year, therefore you can get a free report every 4 months. Check free credit report site managed by the 3 main credit companies. If you find mistakes , get them corrected. Sometimes it takes a little effort , but the results are worthwhile.
As your credit grows, you will become eligible for credit cards with better rates and rewards.Rather than closing a card leave it at zero balance. Closing the card reduces your available credit , which may cause your score to go down. Remember time will improve your credit report as long as you don’t repeat mistakes.