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One major factor in your credit score is how much revolving credit you have versus how much you’re actually using.

The smaller that percentage is, the better it is for your credit rating. To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union.

Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions.

But there are some steps you can take now to start on the path to better credit.

Just like losing weight, losing your debt takes work, but if you genuinely want to slough of that stressful debt, your perseverance can make it happen.

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