Raising your FICO credit score is important if you want to get a better rate on future loans, but the process will takes time and there are no quick fixes. In fact, quick fixes are usually detrimental to your score, because they usually backfire eventually. The best advice one could receive is to take your time, and learn the right approach to building credit.
To start improving your credit score, you must make sure you’re paying your bills on time and managing your available credit wisely. The most important item is definitely going to be your mortgage (make sure you pay it on time each and every month). Also note that installment loans (where you borrow a set amount to buy things like new furniture or appliances) are given more weight than credit cards.
A few additional rules to help you boost your score: 1) always keep your borrowing well below your credit limits, because your FICO score will suffer if you are maxed out on your credit cards, 2) never have more than two or three credit cards because a large number of credit cards will also lower your score, and 3) definitely don’t apply for several credit cards at one time; it makes lenders nervous and will lower your FICO score dramatically.
Many other factors will also affect your score, but this is pretty a good start! My advice: do your research and always be prepared — Good Luck!