<human>:  How could I increase my credit score?
<bot>: One way to increase your credit score is to make all of your payments on time. Paying bills before their deadlines will demonstrate a good track record of creditworthiness. You can also ask your creditor to raise your credit limit, which can have a positive effect on your score. Additionally, you can ask the credit bureaus to remove any negative items such as late payments or charge-offs from your credit report. Finally, it's important to keep your credit utilization rate low. This is the ratio of your total revolving credit to your total credit limit. Keeping your utilization rate below 30% is a good way to help boost your credit score.