Your credit rating comes down to your credit scores.
All types of lenders need a quick and efficient method of determining if you are a good risk when you apply for some sort of consumer credit.
They use your credit scores to determine their risk.
The higher your scores the lower the risk to them which means they will give you a lower interest rate and on the other hand the lower your credit scores the higher your interest rate.
For this reason adding extra points to your scores can save you a lot of money in interest charges.
One quick method to add additional points to your credit scores would be to payoff any outstanding balances you might currently have on credit that has been extended to you.
The credit scoring system takes into account balances you have on open accounts and the higher the balance, the more it takes from an otherwise higher credit score.
You don't want to close the account as this can affect you negatively, but simply pay it down as much as possible to reduce the used amount.
Another quick method along the same lines that can help add point to your scores quickly would be to increase the credit limits on revolving accounts, you would simply call your creditors and request a credit increase.
This should not be a problem as long as you have maintained a good payment history with them.
Both of these methods can be used together to add additional points to your Equifax, Transunion and Experian FICO scores.