There are certain credit monitoring and  score factors like payment history and credit utilization ratios are among
the most important in many critical credit scoring models. Mostly they represent the 70% of your
credit scores.
In addition to this, by focusing on the following actions we’ll help to improve your credit scores
improve over time. Please take a look on the following steps to improve your credit scores.

● Pay Your Bills on Time
● Get Credit for Making Utility and Cell Phone Payments on Time
● Pay off Debt and Keep Balances Low on Credit Cards and Other Revolving Credit
● Apply for and Open New Credit Accounts Only as Needed
● Don’t Close Unused Credit Cards
● Don’t Apply for Too Much New Credit, Resulting in Multiple Inquiry
● Dispute Any Inaccuracies on Your Credit Reports