1:find out when your credit card company reports to the credit bureau, eg; mine reports 2 to 3 days after my due date to pay my balance for the month, so what i do is pay what I need to, to bring my balance to minimum 30 % of my total credit balance, which in turns makes me look like a responsible consumer who does not have high debt ratio… to increase your score even more try to bring the balance to 10%…remember the key the day the credit card issuer reports to bureau is day you want that good looking balance, no one cares about the rest of days if your balance is high as hell.

2: never be late

3: this is how i help my GF improve her score since her credit is bad but mine is good, I place her as an authorize user for my card, so when i made my payments, she gain the credit as a valued customer as well.