Having a good credit score is really important to have, when I ever I go to get a loan of some type my credit score is always looked at by the lender and since I have an above average credit score, getting a personal loan is never a problem for me. Making sure to payback whatever money I borrowed on time was instilled into me by my father since I was a teenager, and living by that has always served me well both in friendships and business. Overtime my credit score has gone up as a result of paying back my personal loans from lending institutions on time. If your looking to improve your credit score my 3 tips for you would be to get a credit card maybe two, get a vehicle loan, and get a mortgage loan, and pay the payments on time and you will see your credit score, go up and up and up.