There are several factors affect your accumulated credit score. By improving the following your credit score will also improve.

• The biggest factor that affects your score is payment history. If you have a poor payment history that could drastically decrease your credit score.
• The second largest factor is the amount that you owe overall across all your accounts. If most of your accounts are maxed out or reaching its limits your credit will take a hit. It is Ideal to keep your credit utilization around a 30% threshold or lower.
• The third largest factor is the length of your credit history. Your credit scoreincreases as the length of your open accounts increase. That is why after having a credit card for some time they increase your credit limits since they have seenyou are a trustworthy borrower.