Small bills like mobile phone monthly payments may help to enhance your credit rating, and will also indicate that you're well-rounded when it comes to handling different forms of credit. Dispute Any Errors In Your Credit Report If you still haven't seen an exact copy of your actual credit history, get a copy now and analyze it properly. Once you've gotten approval, pay off the loan in the quickest time possible. Evaluate Your Credit Report For Errors Your credit report must still need to be fully evaluated, even if you've already been declared to be bankrupt. Check out any errors or inconsistencies on your credit report, because any negative item is only allowed to be reported for 7 years. Always ensure that your credit card expenses are mostly based on your actual needs, and don t use your card in paying for leisure items. Keep Your Credit Card Debt Ratio To Manageable Levels Always remember to keep your credit card balance paid off on a monthly basis. Also keep your card at a maximum charge level of 30 percent, and pay them off at the end of the month. Also determine if the status and delinquency dates are not incorrectly noted. How To Dispute Any Errors You Find Once you personally find any discrepancies or flaws, you can dispute these through filing your complaint online, as well as by writing a letter to the specified credit agency. While sending your dispute on the Internet may be much faster, it only offers you limited options to explain your reasons. By consistently paying your bills on time, whether they are credit cards or utility bills, insurance premiums, parking tickets and even library fines, your credit score will be further enhanced. Late bill or loan payments generally cut as much as 100 points from your credit score, which reduces your chances of availing loans and other forms of credit. This may also indicate that you've been rejected by a number of creditors, which could make you appear as a poor credit risk. If you wish to shop for a loan, try to do it on a short period of time, because inquiries that are done within only a few days of each other, are usually counted as just one inquiry.