Once you've paid-off a large portion of your current debts, add other forms of credit, like get a small mobile phone contract, and pay it off every month. Small bills like mobile phone monthly payments may help to enhance your credit rating, and will also indicate that you're well-rounded when it comes to handling different forms of credit. As i mentioned above small credits can afford any one, this simple credits also help widely to increase your credit score. Your late payments this small credits the damage to your credit score is same.
