How do you improve your credit score. To start with a credit score is simply a number that shows your risk where creditors are concerned. In other words your interest rate for a credit card, home loan, car loan etc will be affected by your number. Simple rules to follow to get your credit score established or up is the following: The age of your credit history. As you go through out time, the longer you have accounts open, paid in good standing and no holds or complaints against you by companies you're going to enjoy a good score. Number of accounts: If you have a lot of unsecure debt it will affect your score. Having car loans or home loans typically won't hurt the report but having 14 loans at once. Yep that's a problem Payment on time: Make sure you pay everything on time. Seriously this will build up everything so fast you won't have a problem. Credit Report: Make sure to take advantage of your free credit reports and doing these things will get you to where you need to be. Its a marathon not a sprint.