Probably the most asked question when it comes to people with less than perfect credit is how can I improve my credit score? Well, to put it simple and blunt, first begin by paying your bills on time.
If you are sending your payments by mail always submit them 10 days prior to the due date. If you are in the market to get a vehicle loan you can never miss a payment or you will be impacted severely and immediately. Delinquent payments and collections can have a major negative impact on a credit score.
Keep balances low on credit cards and other revolving credit. High outstanding debt can effect a credit score.
Apply for and open new credit accounts only as needed. Don't open accounts just to have a better credit mix, it probably won't improve your credit score. Pay off debt rather than moving it around. Also, don't close unused cards as a short term strategy to improve your credit score. Owing the same amount, but having fewer accounts, may actually lower your score.