Reduce your the debt: An advanced level away from loans can also be negatively effect your credit score, Martini said.

Stop opening the fresh new credit account: Obtaining borrowing from the bank appear to can result in your own rating to slide downward. Every time you apply for borrowing from the bank, a painful query is made in your credit history, said Martini. This may adversely effect your credit rating, primarily for folks who apply many times inside a short period.