How Can I Improve My Credit Score?

Start with the basics. Pay every bill on time, keep your credit card balance low, and avoid applying for too many new accounts at once.

Also check your credit report for mistakes. A wrong late payment or account can hurt your score, and you can ask the credit bureau to correct errors.

One thing people often miss: you don't need to carry a balance just to build credit. Paying your card in full each month is usually better for your finances.