Your credit score is largely influenced by your repayment history, which makes up about a third of the equation. The quickest approach to raise your score is to make on-time and full payments on all of your loans and credit cards immediately. This will have a big impact on your score right now.
If you can't afford to pay your full amount, you may need to cut back on your spending. However, the boost to your score will be well worth it.
Improving Credit score, After Credit card settlement
