
There are many things you can do to improve your credit score. These are the two most important steps to improving your credit score. These actions will boost your score over time, but it will take months or even years to see the results.
Timely payment of bills
To improve your credit score, you must pay your bills promptly. A single late payment can cause your credit score to drop by as much as 100 points. Automatic payments are possible, which can help avoid missing payments. Some credit card issuers offer email alerts that remind you of your obligation to pay on time.
Payments on time account for 35% of your score. You can make automatic payments to your creditors, which move money from your checking account to theirs before the due date. It may take up to a few days for the payment to be processed.

The best thing you can do for your credit score is to pay your bills in time. Late payments will stay on your credit report for up to seven and a half years. Contact the creditor immediately and make up any missed payments. Ask them to stop reporting missed payments. The more often you miss a payment, the more it will hurt your credit score.
Refute inaccurate information on your credit report
If your credit report contains errors, you have the right of dispute. You can also write to credit bureaus to explain the errors in your report. Also, it is important to support your claim with documentation. You should also include documentation if you receive an error notice.
Your score won't increase overnight but you may see an improvement over time. In fact the average Credit Strong account holder experienced a 25-point increase in just three months. In nine months, they saw an increase in points of 40.
Be aware that disputing credit files inaccuracies can take time. How long it takes for the credit bureaus investigate your complaint will have an impact on your credit score. If you dispute any inaccuracies in your credit report, the bureaus have to correct or delete that information within five calendar days. You can also choose automatic payments to avoid losing your time. This will allow you to lower your average account age, which can impact your FICO score.

Keeping a steady payment schedule
It is one of your best options to raise credit scores. FICO (and VantageScore) credit score companies view your payment history as the key factor in determining you score. This is because timely payment on credit card debts shows that you are capable and willing to repay it. Your credit score will improve if you make all of your payments on time.
Credit scores are important because they determine your eligibility and ability to borrow money. A low credit score could severely limit your options. Equifax, Experian and TransUnion are the three main credit bureaus. They analyze your financial information and habits to determine your score. It will take time to improve your score.