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If your credit rating is slightly below the zone considered good, then there are a few simple steps you can take to raise it over the next six months. Be absolutely scrupulous about paying all your bills on time, using automatic withdrawal as an "insurance policy" if you have the option. The ratio of credit you have used to total credit you have available is important, so pay off as much as possible of your current loans and credit card balances. Ignore old advice to close down unused credit card accounts; leaving the accounts open increases the amount of credit available to you, improving your ratio of available credit to used credit. Be especially wary of closing very old accounts, since doing so could shorten your credit history, which you want to be as long as possible.