$$ Maya has had a Mastercard with a $$1,000$ limit since she was $18$ years old, which she maxes out each month.

$$ She only makes the $$50$ minimum payment leaving her with just $$50$ in available credit for new purchases each month.

$$ She missed two credit card payments in the past year, but it is only because she forgot to pay.

$$ Since her Mastercard is always at its credit limit$,$ Maya decided to apply for a second credit card to use in emergencies. She is currently awaiting a response from Visa.

$$ She has a student loan of $$10,000$ with the Royal Bank of Canada $($RBC$)$ but is not required to start reimbursing until after graduation.

$$ She earns a gross monthly part$-$time salary of $$1,000$ and spends the entire net monthly pay of $$800$ as follows: $$500$ to repay her parents for the car they purchased for her, $$100$ on her cellphone bill, $$50$ as a minimum monthly payment on her Mastercard, and $$150$ on hair, manicures, and pedicures.

$$ She lives with her parents but is looking to move into an apartment with two girlfriends once she graduates in April $2026$ and secures a full$-$time job. Based on her current financial situation, provide three strategies Maya must implement over the next $12$ months to improve her credit score