Review the public information and collection accounts.\r\nVerify the information is correct and dispute all inaccurate information. Contact the\u00a0collection agencies that have placed a collection account on your credit report. Pay the entire amount owed or get a settlement but make sure you request a \u201cpay for delete.\u201d Take notes of the date, time, and person you\u2019ve spoken with at the collection agency. If you'll need to send additional information to\u00a0the credit bureaus, you have additional information available.\r\nCheck each account for accuracy.\r\nReview each tradeline for accuracies such as account limits, balances, and payment history.\r\nPush delinquencies further in time.\r\nMake on-time payments on any delinquent accounts and get them current. The older the delinquency the less impact on your credit score.\r\nIncrease your available credit.\r\nYou can request a credit line increase or apply for new credit lines to improve your credit utilization rate. Get a secured credit card or personal loan if you\u2019re unable to get an unsecured credit line.\r\n\r\nDepending on your individual situation there are a few ways to improve your credit score. We\u2019ve compiled the top ways to improve your credit score.