Tired of worrying about your credit, and being punished for having a low credit score? The eight steps listed below will lead you to financial freedom. Some are easier than others, but by following even some of them your credit score will rise.

1. Be Patient

This one’s so easy, you don’t actually have to do anything! The older your credit file, the more stable it will be. If you have a proven, positive credit history, lenders will feel more comfortable extending credit to you. Your credit report is an ever-changing file: every time you use credit or make a payment, your credit profile and your score change. That means that any flaws you have in your credit history will disappear over time. Focus on handling your credit accounts in a positive manner and your credit report and score will improve.

2. Don’t Close Old Accounts

Even if you haven’t used an account for a long time, leave it alone; it will only help your credit score. The longer your positive track record and the lower your overall utilization rate (or the amount of credit you’re using compared to the amount of credit that’s been extended to you), the higher your credit score will be. [...]