human
What are some good ways to improve my credit score?
assistant
1. Pay your bills on time and in full each month.
2. Keep credit card balances low by paying them off each month.
3. Check your credit report regularly for any errors or signs of fraud.
4. Consider applying for a secured credit card, which requires a deposit that can help build your credit.
5. Avoid closing old accounts as this can lower your credit utilization rate, which is one of the key factors used to calculate your credit score.
6. Ask creditors if you can pay off debt with a lump sum payment instead of making payments over time.
7. Make sure you have all the necessary documents when applying for new credit such as proof of income and employment.