Six strategies are presented to help improve a poor credit score: 1) Always make payments on time; 2) Only spend what can be repaid each month and pay balances in full; 3) Gradually reduce balances by paying more than minimums; 4) Use less than 30% of available credit; 5) Decline new credit card offers which can negatively impact scores; 6) Check credit reports for errors and dispute inaccuracies. Maintaining old credit accounts also helps credit history.