human
What are the most effective ways to improve my credit score?
assistant
1. Pay your bills on time and in full each month.
2. Keep balances low on credit cards, if you have them.
3. Make all payments on time and keep old accounts open.
4. Don't apply for too many new loans or credit cards.
5. Check your credit report regularly for accuracy and dispute errors.
6. Consider getting a secured credit card with a small deposit.