human
What can I do to get my credit score up?
assistant
1. Pay your bills on time every month.
2. Lower your credit utilization – aim to use no more than 30% of your available credit.
3. Keep old accounts active and don't close unused credit cards.
4. Dispute any errors on your credit reports.
5. Reduce the number of hard inquiries on your credit report.
6. Consider opening a secured credit card to begin building a positive credit history.