Pay Down Past Due Accounts
Any amounts that are past due destroy your credit score. Work at paying down past due balances as soon as possible; then normal payments can be made and will reflect paid on time. Any charge offs or liens within the past 24 months damage your credit score. Work at paying these as quickly as possible.
Check Your Limits and Distribute Balances
Make sure your credit card company reports your credit limit to the credit bureau and then keep your card balances at 50 percent of that limit or below. Anything over 70 percent of your limit damages your credit score.
Don’t Close Your Credit Cards, Keep Old Cards Active
Keep the number of credit cards you have between three and five to better your credit score. If you need to close some, the newest cards are the ones to close.