To successfully make changes to your credit score in a timely manner you need to create a plan of action that will see you taking the necessary steps to boost your rating.
The plan starts with obtaining a copy of your credit report and then you can determine where the main cause of your low score lies.
There can be many factors that will lower your score, and these should be relatively easy to see when you have your report.
Maybe you have got too much debt and the credit bureaus think you might have difficulty making repayments.You might be certain that you can make these repayments, but their ratings are based on research and mathematical calculations based on the population and while they understand that some people are better at handling their finances than others this is the only way they can consistently offer suitable information to the lending companies.
If you have unpaid bills, then getting these in order will certainly help and that will be one of the first things that you will need to focus on if that is the situation.
If you have had major problems such as bankruptcy, then it is going to be a bit more difficult to help your credit score but not impossible as many people have periods of financial struggle and this is understandable to most people.
Even the fact that you haven't had enough credit or time to establish a good credit score will affect your rating.
Defaulting on loans, taxes or anything else that resulted in a collection will reduce your rating and will need to be addressed.
Take your information and start to devise a plan where you can reverse the situation and let potential lenders see that you have sorted out your finances and are now a safe bet to make your repayments on time all the time.