A few suggestions:
- Make your payments on time, every time. A single late payment can stay on your credit report for a long time.
- Stop using your credit cards. This will lower your debt utilization ratio
- Check your credit report. Your report may contain errors that are affecting your score. You can request a free copy at AnnualCreditReport.com
- Raise your credit limits. This one may be hard to do if you are student, but its worth a try.
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