First, leave the past and focus on the present and future, meaning from here on do not miss any monthly payments. At least pay the minimum payments so that your credit score is not affected.
Secondly, audit your credit report and check if there are any mistakes or errors. Sometimes it’s possible that there may be an issue and it may not fully be updated in the scores. So just double check.
Third, Reduce your credit utilisation rate to around 10%. Having a lower credit utilization means you’re less reliant on credit which will improve your credit score and put you as a worthy borrower in the eyes of the lender and also helps with having a better score.
Fourth, Increase your credit limit: Try to increase your credit limit because when you do so the point which we previously discussed, the credit utilisation rate also gets changed. So this has an indirect effect on your credit score.