If you would like to improve your credit score, don't worry. No credit score lasts forever - it changes over time, so you can improve it over time.

Every time you apply for a loan or credit card, use credit, or make or miss a payment, you build another entry in your credit report. You also raise or lower your credit score.

Here are ways you can improve your credit score over time:

• Don't spend money you don't have.
  If you have a budget, stick to it. If you don't have a budget, make one.
• Make the minimum payments, on time.
  You can begin to improve your credit rating right away by making at least the minimum payment, on time.
• Pay off your accounts.
  If you have several accounts with small balances, try to pay them off.
• Understand the implications of declaring bankruptcy.
  Filing for bankruptcy can keep you from getting a loan for a long time, raise your interest rates, and stay on your credit record for 7-10 years.
• Get help from a credit counselor.
  Free and low-cost help is available.

Sometimes, credit reporting agencies make mistakes that can damage your credit record. If you see something wrong on your credit report, fix it immediately.