Credit management specialists, what's one piece of advice you've given to a client that significantly improved their credit score, and how did it work?

As a mortgage broker, I received my Credit Specialist Certification, to assist clients with lower credit scores. I was able to help one client bring his credit score up 60 points (at no charge to him) in 30 days so he could obtain a loan. First, I had him obtain a free credit report from www.myannualcreditreport.com He sent me a copy and we checked it for any errors, incorrect names, addresses, birthday, etc. This is the easy part. Then he probably had at least accounts with small balances, under $500, that he was paying on. I had him to pay all of those in full and one that was under $1000. He could afford this that was the bad thing. Lastly, I had him to sign up for Experian Boost you couldn't use 10 points to just sign up. A word of caution to new loan originator's when you have unities on the credit report do not count them as DTI when you send it to underwriting.