We both have pretty good credit, I’ve never had a late payment but have quite a bit of debt. My husband doesn’t have nearly the debt I do but had some late payments about 3-4 years ago and has since paid those accounts off. So together we have fair/good credit but want to get better credit. What are some things we can do in the next 6-12 months that will help? We are trying to raise our credit scores because we want to refinance our home at a good rate. So, what’s some good, sensible advice to raising credit scores?