<human>:  What ways can I increase my credit score?
<bot>: 
1. Make all your payments on time and in full each month.
2. Reduce your credit utilization by paying off high balances and keeping utilization low.
3. Check your credit report regularly to make sure there are no errors or signs of fraud.
4. Consider opening a new credit card or taking out a loan to increase your available credit.
5. Try to establish a longer credit history by keeping old accounts open and active.
6. Ask lenders to raise your credit limit if you have a solid payment history.
7. Avoid closing accounts, as it can lower the average age of your credit accounts.
8. Look into credit counseling or a debt management plan if you are struggling.