Avoid taking on new debt if you're concerned about your credit rating 

Have a solid plan to pay off any debt during a 0% balance transfer period to avoid a cycle of debt 

Prioritize paying down the debt with the highest interest rate to reduce the overall interest paid 

If possible, pay off low-balance debts completely to achieve a sense of accomplishment and eliminate a liability 

Don't cancel a credit card immediately after paying it off, as it can negatively impact your credit rating by increasing your debt usage ratio 

Make regular, on-time payments for all your bills and debts 

Keep your credit utilization ratio low by using only a small portion of your available credit 

Monitor your credit report regularly to check for any errors or inaccuracies that could be hurting your score 

Avoid opening multiple new credit accounts within a short period, as it can signal financial instability 

Build a positive credit history by maintaining long-standing accounts in good standing