According to Bankrate, using 30 percent or lower on your credit card is the best strategy to improving your score. Pamela Banks, senior policy counsel for Consumers Union, recommends to pay down your balances, and keep those balances low. If you see that you have many credit card balances, a personal loan can assist you with bumping up your score too. Remember to pay all your bills on time, as it is a major factor on your reports.
How to Boost Your Credit Score
