text: Establishing a great credit rating can be challenging. But there are some steps you can take to significantly improve your rating if you know what to do (and what not to do).\nFor example, don't open up a bunch of low-limit credit cards. Each time someone does a credit check on you, it may affect your actual score (lowering it)... \nI'm not a financial advisor, but I did get some great tips from a reputable one. I really recommend you talk to someone you or your family has already dealt with, like a mortgage broker or loans officer, or even someone at your bank...