You should watch this video if you want to improve your credit score with just 3 steps. To improve your credit score: Check your credit report. It is where your score comes from. You can also get a free copy of your credit report once a year at Annual Credit Report. Check it for errors. Timing. If you're going to apply for a loan as the application month approaches, stop charging because if your balance happens to be reported while it's big, it will temporary lower your score. Don't close your old accounts. Your credit score is partially based on the amount of money you borrowed relative to what you could borrow. Don't open accounts either, it could lower your score. Don't forget to pay your bills on time.