<human>: My credit isn't the best. How can I improve it?
<bot>: You can start by making all your payments on time, keeping your credit utilization low (the ratio of how much you owe versus how much you have available to borrow), and avoiding opening too many new lines of credit. Additionally, if possible, try to get a secured credit card or an installment loan that requires a security deposit. Finally, check your credit reports regularly for any errors and dispute them with the appropriate agency.