Maintain a good credit record and avoid credit card overdrafts.

1. Maintain a good credit record. Maintaining a good credit history is the key to improving your personal credit score. Repaying your loans on time and avoiding overdue payments is an important way to improve your credit record.

2. Avoid credit card overdrafts. Credit cards are an important part of personal credit records, and avoiding credit card overdrafts is the key to maintaining a good credit record.