To improve your credit score and manage your credit effectively, start by paying all your bills on time, as timely payments have a significant impact on your credit score. Set up reminders or automate payments to avoid missing due dates. Keep your credit card balances low relative to your credit limits, ideally below 30%, to maintain a healthy credit utilization ratio. Regularly check your credit report for errors and dispute any inaccuracies that could negatively affect your score.

Additionally, avoid opening too many new credit accounts in a short period, as each application results in a hard inquiry, which can temporarily lower your score. Maintain a mix of credit types, such as credit cards, loans, and mortgages, to demonstrate your ability to manage different types of credit. Lastly, keep older accounts open to lengthen your credit history, which is a positive factor in your credit score calculation. By following these practices, you can gradually build a strong credit profile and improve your credit score over time.