CHARLOTTE -- According to experts at PNC Bank, folks trying to bump up their credit score can start by requesting their credit report.

Look for inaccuracies to remove and overdue balances to pay off.

If payments are too high, contact your creditors and try restructuring.

And while you don't want to open up new lines of credit, you also don't want to close out paid off credit cards.

"Ironically, closing an open account you no longer use can result in a slight drop in your credit score," Senior Vice President & Senior Wealth Strategist at PNC Bank Jim Benedict said.

According to Credit Karma and Nerdwallet, taking some of these simple steps can raise your credit score by as much as 100 points this year.