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1) First of all collect a copy of your credit report from any one of these three major bureaus; Experian, Trans Union and Equifax. Then look at it very carefully if there is anything wrong or incorrect. It will improve your score if incorrect entries get corrected.
2) Never close your old accounts. It may hear odd but it is true that closing old account actually can hurt your score. Because it will stop showing your past history where you had good payment details. If you have good old accounts then it will automatically increase your credit score.
3) Try to make a wide gap between your credit limit and the actual use. Longer gap between these two will improve credit score.
4) Pay bills on time, this must be the most effective way to improve credit score. If you pay your bills on time then there is no question about debt and thus your credit will improve tremendously.
5) Last of all don’t ever think about Bankruptcy filing if you like to improve your credit. Because Bankruptcy is the worst thing on your credit report.
Try to follow these easy points and see how your credit goes over 700.
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