Have you recently check your credit report and discovered that your credit score was a little less than stellar? Maybe you tried to apply for a loan, but were denied because your credit score was just too low to qualify? Having a low credit score can prevent you from doing a lot of various things, such as buying a home, a new car and even whether or not you get hired for a job. No matter how low your credit score, it's never too late to do something about it, and you should start taking action immediately to start getting your credit back in shape!

How can someone fix their credit score? Credit scores are determined from a number of different things. One can improve their score by making some simple adjustments. All it takes is a little focus, patience and persistence. You need to be able to have a firm grip on your credit in order to take control.

If you want to start to improve your score today, take a look at these 4 tips below. Start following these tips now to get your credit back to where it needs to be!

Pay Down Your Debt

This is probably the most obvious rule. By paying down your credit card debt, you're lowering your income-to-debt ratio. The key here is to keep your credit card balances at 35% of the total limit on the card or below. So, if you have a credit limit of $300, you're balance should never be higher than $105. The best route to go is to always pay off your bill in full each month if you can, so you can avoid high interest charges and other fees. Either way, paying down your debt will help raise your score over time.

Make Timely Payments

By continuing to make timely payments on your account, you'll slowly start to build trust, which raises your credit score. Avoid late payments at all costs - Not only do they lower your score tremendously, but you also get stuck with fees added on to your balance. Late payments will only drive you further in debt and kill your credit score in the process.

Open Different Types of Credit Lines

In addition to being scored on timely payments and how well you manage your credit, your score will also take into account how many different types of credit you have. By varying what type of credit you have, you can help raise your score. For example, a credit card is a revolving line of credit, whereas a car loan is an installment account. I'm not suggesting you run out and apply for different lines of credit or a mortgage if you don't need it, but merely mentioning that different types of credit can help or hurt your score.

Review Your Credit Report for Errors

It's always best to keep a close eye on your credit. By doing so, you'll be able to spot anything that looks out of the ordinary. This is why it's best to use a credit report monitoring service or looking over your credit report once a year. If you see any errors on your report that don't belong or you feel the need to question, report them to the proper credit bureaus immediately. These errors (if they are in fact not supposed to be on your credit report) can be removed promptly, which will help boost your score overall.

Pay attention to your credit and follow these simple tips and you'll be well on your way to repairing your credit and raising your score!