If you want to improve your credit score, you must first make up your mind to become someone who is trustworthy with money. Start working on developing good spending budgeting habits. Do not try to live outside of your means. It is good to save money out of every paycheck for your future, and in case of emergencies. Make sure you keep reasonably low balances on all revolving accounts. Always pay more than a minimum payment on credit cards. Never borrow more than you can pay back with out becoming stressed.