Credit scores are a measure of your creditworthiness. They're used in determining eligibility for loans, mortgages, apartments and other types of financing. A good credit score can save you time and money as you make major purchases such as homes or cars. But how do you improve your credit? The answer is not what many people think: it's not just about paying off debt! There are simple steps to improve your credit score that anyone with bad credit can take to help their situation.