<human>:  How can I improve my credit score?
<bot>: One way to improve your credit score is to pay your bills on time every month, as payment history is one of the main factors in your credit score. You can also reduce credit card debt by making more than the minimum payments and avoiding new debt when possible. Keeping your credit utilization low (the amount of credit you use relative to your credit limit) is also important. Finally, checking your credit report regularly and disputing any errors can help you keep your credit score up over the long term.