Human: What are the best ways to get rid of a bad credit rating? Assistant: 

1. Pay off any outstanding debt as soon as possible.
2. Keep your credit utilization rate low by making payments on time and keeping balances low.
3. Consider opening a secured credit card that requires you to put down a deposit, which can help build up positive payment history.
4. Make sure all of your bills are paid in full each month, so that no late payments or other negative marks appear on your credit report.
5. Ask for a copy of your credit report from each of the three major credit reporting bureaus (TransUnion, Experian and Equifax) once per year to make sure there are no errors or fraudulent information.
6. If necessary, contact one or more of the credit bureaus directly and ask them to remove inaccurate or fraudulent information.