First., start paying all your bills on time. It if is due on the 15th have your payment in by the 14th!!!
Do not open any new credit card accounts.
STAY AWAY FROM DEPARTMENT STORE ACCOUNTS!
Stop using credit cards and pay cash.
Pay more than the min due on credit cards
DO NOT MAX YOUR CREDIT CARDS OUT/DO NOT GET TOO CLOSE TO YOUR MAX
NEVER close a credit card account if the account has a balance, this will lower your score big time.
Best of Luck to YOU!!!
Kawain Payne, Realtor