(InvestigateTV) - Increasing your credit score takes time, but it can be done.

Personal finance expert Sara Rathner with NerdWallet said the number one way to raise a credit score is to pay all bills on time, every month."At least the minimum amount due and in the case of your credit cards, the more the better. And if you can pay those bills in full, do it," Rathner said.

"Not just credit cards but any other loans. So, if you have a student loan payment, a car loan, your mortgage, obviously make all of those payments on time."Rathner said it's also important to pay other bills on time, including utilities and cell phone bills.