HOW TO RAISE YOUR CREDIT SCORE
Pay all bills on time
One of the best ways to improve your credit score is simply to pay your bills on time. Late payments lower your credit score. Since your credit score changes as new information is reported by creditors, you can improve your score by catching up on back payments and staying current. Although late payments generally remain on your report for seven years, as time passes, and your payment habits improve, those late payments will have less of an impact.