A good credit score is needed in order to get a credit card, mortgage or auto loan. If you want to raise your credit score, it’s going to require patience. Here are some ways to help boost your score:

– Check for errors in your credit report.
– Pay down your credit card balances.
– Get student loans out of default ( if you have any).
– Be sure to pay all bills on time.
– Consolidate revolving credit with a personal loan.