<prompt> Human: So i checked my Credit Score this morning via CreditKarma and it is currently 505. I plan on moving into an apartment with my girlfriend in April and would like to bring more to the table than a shitty credit score.Around this time last year my score was 643, since then it has dropped dramatically. I opened a Goodyear Credit Card limit 900 for my parents so that they could get 4 new tires on their car in order to pass inspection. I also let them use my name to open a Comcast cable account that they defaulted on. The Comcast account has now been paid off fully but the Goodyear Account has not been paid in 7 months and the account has been closed by the creditor. I have a personal credit card with a 900 balance that i pay off in full every month but that does not seem to increase my score at all from month to month. I also have a car payment, phone bill, renters insurance, car insurance, and student loans that get paid on time every month. Any advice on how to raise my credit score would be greatly appreciated! I would like to be close to 650 by March.  <response>: 1. Pay off the closed account.2. Get another credit card and make payments on it until March. Use it sparingly and pay it off diligently. 3. Try to raise your credit limit, if even by a small amount. Explain to the bank that you made honest mistakes and you would like to demonstrate better credit worthiness.4. Pay your bills and credit cards every two weeks.5. You are legally entitled to a free detailed credit report. You can get one here Make sure that everything is reported accurately. Dispute any incorrect information 505 seems very low if you are paying off other accounts on time.Even if your score is low come April, many landlords simply ask for a larger security deposit or an additional months rent given a bad credit score. I know you probably dont want to disclose bad credit to your GF, so come prepared with enough to cover 2 months rent plus security deposit if your score is still sub 600. 