Are there any legitimate ways to improve credit scores .And what can I do besides being responsible .

Always check your credit. There are many incidents where there are mistakes on somebodies credit and you have to prove there is a mistake and get it taken off your record. Responsible is the only way to improve your credit scores. Do not keep getting new credit cards, or especially department store cards. IF you have credit cards keep your limits low. Always make your payments on time.

Do not owe too much. The more you owe, the more credit you have. The lower your score will be.

Joe

Check all 3 credit reporting agencies once a year to make sure that there are no glitches, credit that doesn't belong to you, late payments, unknown accounts, etc. You can join a credit report monitoring service or go to annualcreditreport.com for free credit reports once a year. I agree, beyond this, you just need to pay your bills on time.

How to protest an item on Equifax?