1) Pay off your credit card debt

Don’t try to pay off all your loans at the same time. It is better to concentrate on one at a time. Pay off your credit card debt first as it not only carries high interest but is also much more immediate in liability.

2) Know your credit card limits

Call up your credit card company and know your actual limits if you find them fluctuating in your statements.

3) Reduce your spending

Credit card companies raise the limits in case of people who go on wild spending spree. Check which the closing date for your card is and try to pay it off immediately. Never spend an amount of money that you cannot manage to pay off. If you cannot afford to pay your credit card dues every month, then you are in serious trouble. Lock up your cards and stop spending.

4) Use your old credit cards too

The older your credit card is, the better it is for you as it shows that you have been making timely payments and are maintaining your credit position securely for quite some time. Use your old credit cards some times at least for some small purchases. Thus, the good credit in the card will improve your credit score.

5) Do not forget your past

The past dues that had gone to collection are sure to haunt you now. While you cannot change the past, don’t forget it. Try to do some damage repair. Protest that it was unfair or unjust or that you did not understand the consequences then, etc.


Remember, if this is very much in the past, then most agencies wouldn’t bother about it. However, you need to demonstrate with adequate proof that the situation has changed. Make timely payments, reduce the use of your credit cards and avoid extravagance. All this is sure to improve your credit score adequately.

Good Luck!