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1. Don’t ever miss a payment

The easiest way to do this is to setup automatic payments or payment reminders through your bank or credit card.

2. Pay down ‘revolving’ debt

Do this first! (These are aka credit cards) This has the biggest impact on your credit score of all debt repayment.

3. Should you close your unused credit card?

Don’t close unused credit cards as a short term strategy, it may actually lower your score (But in the long run, if you don’t use them, close them out!)

4. Check your credit report

It’s free and important! Go to and request a copy from all three credit bureaus.