If you have a less than perfect credit score there are a few ways that you can improve it.
If you have a good job this is a start, you need to look at your past history, if you have paid late on loan payments, had to skip a few loan payments, or had debts that you simply did not pay, the first thing to do is clean up your mess.
If you want to improve your credit score then you have to be 'perfect' from now on.
That means no late pays, no partial payments, do not ask to skip a month, and your going to have to pay back any debts that you haven't paid.
Nowadays, even doctor bills will ruin your credit standing, so this is why you need to make sure that every debt you have old and new is taken care of.
Not only will it make you look good if you pay up all the small debts that could be counted against you at the credit bureau it is a must.
One nice side-effect is it will make you feel better,too.
You need to start by getting your credit score, this is easy you can do it numerous ways online, and get a list of anything you owe that is lowering your score.
Next, pay all the debts, every last one, and contact the credit bureau so that they note the fact that the debts have been paid in full.
Sometimes you will pay old debts, but, it will not be noted at the credit bureau, so make sure you call this is one thing you really have to follow through on.
Now that you have completed that you will need to make sure if you have a car or house payment or both, that you pay them on time every month, make sure they are sent out early enough that the payments reach the company on time.
I would allow 7 days for your payment to get to its destination.
This is crucial to building your credit back up.
Lastly, do not cancel all your credit cards hoping that it will make you look more responsible, because it won't.
Pay your cards off, do not add to the balances, try to pay more than the minimal amount this will show that you are trying to build your credit.