Get a copy of your report from the credit bureaus and check it to understand how your credit is treated.

Check your credit report thoroughly. If you find any mistake in it, report it to the bank or credit card company as soon as possible.

Pay off all loans before the due date. Failure to do so will drop your credit score.

High interest rates ranging from 36 to 42% are charged on credit card usage, so pay the credit card bill first.

Avoid opening new credit accounts, in which the credit bureaus think that your financial position is bad.

Try to use only up to 30% of your credit limit.

Set up Auto Pay at times when you can't remember to pay your credit card bills.

Save small amounts for emergencies so that you don't need a credit card loan when you need it.

Click on the link for some more tips on improving your credit score.