Which strategy can help improve a person's credit score?

Making payments on time consistently is a fundamental strategy for improving a person's credit score. Payment history accounts for a significant portion of the scoring models used by credit bureaus. When an individual consistently pays their bills on or before the due date, it demonstrates reliability and financial responsibility to creditors. This positive behavior can lead to a higher credit score over time, allowing access to better loan terms and credit options.

Timely payments show that the borrower is manageable with their financial obligations, which not only strengthens their credit profile but also builds trust with lenders. Additionally, it helps avoid late fees and can prevent negative marks on the credit report, which can take a long time to rectify. Overall, establishing a habit of consistent, on-time payments is one of the most effective ways to improve creditworthiness.