Hey it's Mark Greene, listen up I'm gonna' tell you how to improve your credit score First of all, pay your bills on time Secondly, don't over use your credit cards if you have a credit card with a $1,000 credit limit and you spend $900 and then don't pay the whole thing off that month chances are, that's gonna' lower your credit score it's called over – utilization manage your credit wisely a good credit score can make all the difference in your interest rate when you're getting a mortgage so can a bad one! that's it! Have a great day.