What is the best thing to do to raise your credit score?

A recommended method of raising a score is to pay all bills on time, according to Bankrate. Maintaining lower credit card balances and removing balances across multiple credit cards or revolving lines of credit are other ways to reduce undesirable debt.

Retaining "good" debts, such as consistent mortgage payments and old debts that have been repaid, contribute to raising a credit score, according to Bankrate. In the event of a delinquency, negotiating with the lender for a goodwill adjustment or removal of the bad credit is a viable way to increase a credit score, according to Forbes. A periodic review of a credit report is critical to the identification and improvement of a credit score.