How do I improve my credit score?
Pay on time, keep balances low, avoid unnecessary applications and check your report for errors.
Your credit score reflects how reliably you have handled borrowing. Scoring systems vary by country, but the main habits are similar.
Improvement takes time, so start now.
Key habits
Pay every bill and loan on time, because payment history is the biggest factor. Keep credit card balances low compared with your limits, often below 30%.
Avoid
Making lots of credit applications in a short time and closing your oldest accounts unnecessarily.
Check your report
Get a free copy of your credit report where available and dispute any errors. If you are new to credit, a small, well-managed account helps build a history.
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