What can a person do to increase their credit score

Leave old debt on your report, pay bills on time, and watch credit balances or cut them out.

Your best bet here is to get yourself back on the right track start by setting up payment due date alerts with all your credit cards and loans and get organized. You can move credit card payment due dates around pretty easily on your bank or lender’s website and make sure they fit your paycheck schedule.

Ask your credit card issuer or lender if they can forgive that late payment.