 Hey, Gary Cox here, the Alaska Real Estate King, and this is the Real Estate Minute. Did you know that about 35% of your credit score is simply paying your bills on time? Other ways to improve your credit score is to pay down your credit card balances, especially a few days before the end of the statement period. This lowers your balance to credit line ratio. Also, start putting aside money in savings. Do this by creating a budget. Just write down your monthly income and expenses.