nishant wrote:1) File income tax returns on time and quickly. The tax refund credit to your bank account appears to have some influence on improving credit score.
I don't think this is true. I've never heard of your income taxes/return having any impact on your credit. Your credit score/report has nothing to do with the government (except for filing bankruptcy). Also, your personal checking account has nothing to do with your score, so when your refund is depostited, will have no impact.
The other points are valid. Keeping your credit utlization below 30% will definitely help.