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If you havent already done so, pull a free credit report. This will also let you verify that there arent any errors or fraudulent activity keeping your credit in the dumps. Make more payments, and do it on time. Making smaller payments more frequently can help your credit score because it can show youre using less of your available credit - a good thing for your credit score.
Dont use most of your available credit, even if you pay it off on time. Your credit utilization ratio - your outstanding balance vs. your total credit limit - should be no 7500 personal loan than 30, but 10 or less is ideal, experts say.