Are you looking to raise your credit score? It is not impossible but needs willingness on your part and most importantly the credit responsibility by you. Low credit score restricts you to obtain a credit card or even you ca not enjoy prime rates when you apply for any other loan like home loan or auto loan. One thing for sure is to become debt free to be in a better position but still there are several options through which you can improve your credit score. Here are some useful tips to improve your credit score:
What is the cause of present situation:  First of all you should sort out the reason for present situation. Whether it was a financial mismanagement or something else that caused you to be in present situation? It will surely help to neutralize your credit score in the efforts for improving it.
Check your credit report: It is obvious that you have knowledge about your credit report but still I am of the view that must get a copy of your credit report along with true FICO credit score that is normally used for creditors to evaluate your credibility.
Pay your bills online from now on: If you are using one of your cards to pay other card, keep on doing this but make sure to pay all those bills of cards on time. This will help you improve your credit score efficiently.
Check your credit limits on regular basis: Some of the companies do not guide their customers properly and do not report credit limits on time. This surely disturbs the customers either by ignoring trade line or using their highest balance as limit. Both of these cases ca hurt your credit scoring badly so better is to consult your respective creditor and ask him to correct this procedure.
Decrease your utilization of card: Experts are of the view that you should maintain your balance at 30% of your limit or even below than this. This can be ensured either by paying debts or requesting your creditor to increase your limit. But you can only increase you credit limit if you have a good credit history so better option is to control your balance. A simple option for stabilizing your position is to use unsecured merchandize cards which have reasonably high limits so helps to improve your credit score very rapidly.
As the bottom line, getting loans is an easy procedure but if you fail to repay it on time due to any problem, you not only get into the problem of debt penalties but also loose your credit score which can disturb your credit history. Avoid the habit of not paying your bills on time as it is the only way to maintain a god credit score.