human
What are some good ways to improve my credit score?
assistant
1. Pay off any existing debt as soon as possible.
2. Make all payments on time and in full.
3. Keep your credit utilization rate low (the amount of available credit you're using).
4. Request a copy of your credit report from each of the three major credit reporting bureaus annually.
5. Avoid opening too many new lines of credit at once, or closing old ones if you can.
6. Consider setting up automatic payments for bills like utilities and rent that are due every month.
7. Ask creditors to remove negative items such as late payments and charge-offs from your credit report.
8. If you have multiple cards, try to keep them open with balances that are below 30% of your total credit limit.
9. Consider asking lenders to raise your credit limits if they're currently too small.