- Check your credit report for errors
- Pay your bills on time
- Reduce your credit card balances
- Limit new credit applications
- Become an authorized user
- Consider a credit-builder loan
- Keep old accounts open
- Use different types of credit
- Set up payment reminders
- Seek professional help if needed
Check your credit report for errors
Review your credit report for any inaccuracies and dispute any errors with the credit bureaus.
Pay your bills on time
Consistently paying your bills on time is one of the most important factors in improving your credit score.
Reduce your credit card balances
Lowering your credit card balances can help improve your credit utilization ratio, which is a key factor in your credit score.
Limit new credit applications
Applying for too much new credit in a short period can negatively impact your credit score.
Become an authorized user
Becoming an authorized user on someone else's credit card can help you benefit from their positive credit history.
Consider a credit-builder loan
A credit-builder loan can help establish a positive payment history and improve your credit score.
Keep old accounts open
Closing old accounts can shorten your credit history and potentially lower your credit score.
Use different types of credit
Having a mix of credit types, such as credit cards, installment loans, and a mortgage, can positively impact your credit score.
Set up payment reminders
Setting up automatic payment reminders can help ensure you never miss a payment.
Seek professional help if needed
If you're struggling to improve your credit on your own, consider seeking help from a credit counselor or financial advisor.