Building a good credit score and maintaining it is, in essence, a long-term process. The best ways to raise your credit score expect that you stay financially organized and learn to manage your debts wisely. No doubt, that developing good financial habits consequently helps to raise credit score. But if you're planning to buy a house in the near future and you discover that you need only a few extra points to get better interest rates, you want to raise credit score ASAP. more