How can you look more creditworthy? There are no magic "cheats" or quick hacks to magically give you a good credit profile, aside from taking care of current problems as quickly as possible. Your strategy should be to consider how creditworthy you look, and work toward improving. Creditors really want to determine if you are a good risk or not. Current problems indicate that you are not currently credit worthy. So deal with current issues immediately.

That idea of looking like a creditworthy individual is important. It means that even though there may be a few black marks in your past, you're back on track now and this is the norm. Of course anyone can encounter unexpected medical expenses or hardship due to illness, accident, divorce, etc. Having problems show up is really not going to make you look like a bad risk if it was just a one-time thing. On the other hand, if you fall back into bad habits and show a pattern of getting back into trouble, what creditors see is risk!

So don't sweat the negative stuff - just deal with it promptly. Problems that were dealt with quickly show that you're responsible and demonstrate your commitment to staying on track. And once you've recovered stay on track at all cost! Being credit worthy means you are normally a good credit risk. Recurring problems indicate a behavioral shortcoming that makes you riskier over time, so do whatever it takes to avoid making the same mistakes over and over.