Answer: -1. Pay off any deliquent accounts.2. Pay your c/c balances down below 50% (30% is ideal)3. Avoid applying for credit - this subtracts around 2 pts for each inquiry.4. Have any inaccuries removed.5. Pay your bills on time.MSN has a credit score simulator to give you an idea of where your score is - you might work out a few senerios (paying down c/cs, etc) and see how much it'll help: http://moneycentral.msn.com/investor/cre... -It depends on why its not already high.If you have a few cards wtih good payment history but a mediocre score, ti coudl be that you are using more than 30% of your overalll limits. Paying down high limits to lower than 30% is the fastest way to make a dramatic difference.Beyond that, its just paying on time, keeping the same accounts open for years, etc. -Pay all your accounts out as quickly as possible. Keep one card active but pay off the balance each month.