One of the ways you can improve your credit rating is to lower your credit utilization ratio, that is: the amount you owe compared to the amount you could borrow. It’s usually better to just pay down the principal, but sometimes that’s not possible. If you’re confident in your ability not to abuse it, raising your borrowing threshold will give your credit score an instant boost.
I’d assumed this was a complicated process requiring some degree of cringing, but it turns out increasing your credit limit is extraordinarily easy. This method was described to me by an educator in my city’s free first-time homebuyer program. I will try to transcribe it exactly as she said it: