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How to Improve Your Credit Score 1. Focus on paying down your debt. Many people worry about having bad marks on their credit score, but the main focus should be on paying down the debt. Forgoing a minimum payment on one credit card to pay a large chunk on another one until itÍs paid off is what should be done if you want to pay down your debt steadily. 2. No New Cards! For those people that sincerely want to improve their credit score then they absolutely need to stop applying to other creditors for credit lines. Focusing on the credit lines and obligations that you currently have to pay should be focused on before all other credit card offers and lines of credit.