Ways to improve my credit rating and score

If you're like most people, you probably don't think about your credit score until you need to borrow money or apply for a job. But your credit rating and score are important pieces of information that lenders and employers use to determine whether to do business with you. Thankfully, there are ways to improve your credit rating and score if they aren't where you want them to be.
Here are a few tips:
1) Check your credit report for errors and dispute them.
2) Pay your bills on time every month.
3) Keep your debt levels low relative to your income.
4) Use a credit monitoring service to track your credit score and get alerts when
something changes.
5) Apply for new credit sparingly.