1, paying off large debts. Personal credit score is largely based on current debt, and the smaller the total amount of current debt, the higher the credit score. The usual rule is to control the credit balance within 30% of the credit limit, but if you want to significantly improve the credit score, it is more appropriate to use the highest level 10% of the credit limit.

2. Get a credit card. The repayment record of credit card is the best embodiment of personal credit at present. Only when you apply for a credit card can you leave a record in the credit reporting agency and become a person with credit. Therefore, the first step to improve personal credit is to apply for a credit card.

3. Pay off debts on time. The repayment record accounts for as much as 35% in the credit scoring system. Even if the repayment deadline is missed once, personal credit will be seriously affected. The easiest way to repay on time is to sign an automatic repayment agreement, set up a mobile phone reminder and prepare repayment funds.