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Also apply for new credit cards if your credit score is high enough to allow you to take out new cards. And don't close unused accounts! Once upon a time, creditors were advised to close accounts they hadn't used in a while, but now this tactic only decreases the amount of credit available to you and makes your score look worse. * Review your credit reports, and if there is any inaccurate information or if there are black marks on your record that should not be there, dispute them immediately. Fixing mistakes and clearing up misunderstandings can increase your credit rating dramatically. * Let time do its work.