Tips to Improve Your Credit Score

Don’t apply for a lot of credit cards at one time-creditors will think you’re preparing for a spending spree.
Don’t own more cards than you need, even if you’re responsible, creditors are wary that you might go on a buying binge at any time.
Use your debit card for everyday cash items, such as food and gas–save your credit card for larger purchases.
Try not to charge more on your credit card than you can pay off in one month.
Consider consolidating your balances onto one low-rate card.
Make sure any low interest rate you’re receiving will apply to balance transfers you make from other cards.