If you were paying only minimum due on your credit card, try to pay it in full to improve your score. Similarly, never miss a repayment on your loan and pay your credit card bills on time; late payments will have a negative impact on your credit score. Lastly, never exceed on your credit limits and keep it below 50% of the limit to keep improve your score steadily.

You can also seek for credit improvement services if you have past dues with multiple lenders, paying total outstanding on past dues will help you improve your credit score.