Raising My Credit Score

Pay bills on time

Don't apply for credit too often. Too many inquiries lower your credit.

Don't have more open accounts than you need - Even accounts with 0 balances count into the equation.

Don't have too few accounts. If you have no loans or accounts then you are a credit risk as well. A few credit cards with reasonable limits and balances are ok.

Pay credit card balances completely, as often as possible, don't let them carry a balance consistently.