Pay Off Debt
Thirty percent of your credit score is determined by how much of your available credit you are actually using. This is called your debt-to-credit ratio. A lower debt to credit ratio (below 30%) is preferred because it shows you aren’t maxing out your cards. This means if your card has a $1000 limit, you should try to owe no more than $300 on it.
If your debts are a lot higher than this, paying them off can significantly increase your credit score.