Clean-up-credit-history

Keep copies of bank statements or receipts that prove your case. 3. Tackle "Credit Utilization"

If your history is thin or badly damaged, you need to "overwrite" the bad with the good. clean-up-credit-history

Even if you pay off a card, don't close it . Closing an account reduces your total available credit, which can accidentally spike your utilization ratio and hurt your score. 4. Address Negative Marks Keep copies of bank statements or receipts that