4. Start making payments on time
Payment history comprises about 35% of your credit score. However, even if you have late payments on your credit report, time is on your side. This is because the negative information falls from your credit report after seven years, except when you file bankruptcy, which remains in your report up to ten years after the filing date.
Increasing your credit score can take a few years, or even earlier, with the oldest accounts that are abandoned. However, if you continue to pay on time, in addition to keeping track of other factors that affect your credit, your payment history, along with your credit score, should eventually improve.