A credit score reflects credit payment patterns over time, with more emphasis on recent information.**Pay your bills on time. … **Keep balances low on credit cards and other “revolving credit.” … **Apply for and open new credit accounts only as needed. … **Pay off debt rather than moving it around.Rebuilding credit uses five basic strategies; the first one is by far the most important:**Pay existing debt on time, and keep Balances low. … **Get a secured credit card. … **Get a credit-builder loan. … **Become an authorized user. … **Get a co-signer for a loan or credit card.As you can see from the credit score range chart, FICO views a 700 as right betweengood/average credit and actually good credit. So technically a 700 would be a good score. Remember though, that one score of 700 does not automatically mean you have good credit.

1. Apply for a secured credit card. If you’re building your credit score from scratch, you’ll likely need to start with a secured credit card. …
2. Apply for a credit-builder loan. …
3. Get a co-signer. …
4. Become an authorized user on someone else’s credit card. …
5. Get credit for the rent you pay.
6. 26 tips to boost your credit score**Make sure you register to vote.**Use a credit (re)build card to build a history.**Check your credit files after rejection.**Fight unfair defaults & other credit.**Check your eligibility of getting credit.**Paying rent can boost your credit rating. Take These Steps to Improve Your Credit Score**Pay your bills on time. Delinquent payments and collections can have a major negative impact on a credit score.**Keep balances low on credit cards and other “revolving credit.” … **Apply for and open new credit accounts only as needed. … **Pay off debt rather than moving it around While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good. Lenders typically use your 3-digit credit score to help them decide if they’ll approve you for a loan or credit card.