human
I'm trying to get a better handle on my credit. What are some good tips to improve my credit score?
assistant
1. Pay your bills on time and in full each month.
2. Keep balances low on credit cards, as this can help you build a positive payment history.
3. Avoid taking out new loans or opening too many credit cards at once.
4. Consider getting a secured credit card if you need access to credit but don't want to risk damaging your credit score by using an unsecured card.
5. Check your credit report regularly for any errors or discrepancies that may be affecting your credit score.
6. If you have multiple credit accounts, make sure they're all reported accurately and up-to-date.
7. Ask creditors if you can pay off the balance in full every month instead of paying interest.