Before knowing how to improve your credit score, you must know about how a credit score is calculated. The credit score is computed based on parameters such as payment history, credit utilisation ratio, credit mix, exposure to credit etc. A certain weightage is given to each parameter. 

In order to improve your credit score, you must be consistent in your repayment of loans and credit card bills. Secondly having a low credit utilisation ratio is an important criterion as credit score may fluctuate if you do not have a good credit utilisation ration on your credit card limit. If you exceed above your credit limit, it could negatively affect your credit score. 

Having a good credit mix such as usage of secured and unsecured loans and credit cards will improve your credit score. Negative items such as defaults, settled and written off accounts could hamper your credit rating. Hence be careful not to have any of those negative issues. Avoid applying for too many loans at the same time as hard enquiries will hit your credit score. 

By keeping in mind all the above-mentioned points, you can definitely improve your credit score and enjoy better terms on your loans and credit cards.