Pay Your Bills On Time
Your payment history is very important to your credit, making up 35 percent of your overall score. So, the best thing you can do to achieve a high score is to pay your bills on time every month, including loans, utilities, credit cards and mortgage payments. Timely bill payment shows potential lenders that you're financially responsible. Setting payment reminders on your accounts can be very helpful so you don't forget to make a payment on time.
Pay your credit card balance in full to avoid additional interest, but if you're unable to do that, pay at least the minimum amount to keep the account active. Keep in mind, however, that credit card balances that remain after the grace period accrue interest and add to your overall debt.