Ten ways to improve credit rating

Many people have trouble with credit rating these days, and especially in regards to the present financial situation. It's extremely hard to name top ten ways to improve your credit score and to totally accurately answer the question "How to improve your credit?", but I'll try to write the ten ways that come to my mind and that I think are important and good.

1. Common sense! Use it. If you pay your bills on time, your credit will look better. If you pay your obligations on a regular basis, if you can be trusted as a credit user, it will improve credit rating you have!
2. Obtain a copy of your credit report. There are three major bureaus and you should obtain your report from every one them so that you can see what you need to work on.
3. Pay off as much of your debt as you can - it will make your financial situation clearer to you and it will help improve credit rating.
4. Put yourself on the electoral roll - this can often help improve credit score and it's worth to mention it.
5. Before, it was advised that you close your old accounts, now I advise you not to. It is stupid and it something that we should fight against, but if you want to improve your credit rating, don't close them so eagerly.
6. You should consider getting a professional to help you to improve credit rating. They will do things much more easily than you can in order to improve credit score you have.
7. Bankruptcy can hurt you a lot - it's a sign you didn't do good in the eyes of financial institutions. Avoid it if you can.
8. Be careful with further credit applications - you will most likely be turned down and it will hurt your credit score.
9. Check your credit file to see if your information is correct - they love to see your information in order and correct.
10. Carefully use your credit cards and, as with all your expenses, pay your credit card bills on time.

There you have it. Hope it helps all those who are asking themselves "How to improve your credit?"! Good luck to you!