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How can I raise my credit rating? Raising your credit rating will take effort and you will need to wait several months for the improvements to take effect, but it's worth your time. The best ways to improve your score are: * Reduce the amount of your existing loans by paying them off. Make up all your back payments and keep all your accounts current. * Pay all your bills on time. * If it is possible to take out a new line of credit, do so.