- Check your credit report for errors
- Pay your bills on time
- Reduce your credit card balances
- Limit new credit applications
- Consider credit-building tools
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 effective ways to boost your credit score.
Reduce your credit card balances
Lowering your credit card balances can improve your credit utilization ratio and positively impact your credit score.
Limit new credit applications
Avoid opening multiple new credit accounts in a short period, as this can lower your average account age and negatively affect your credit score.
Consider credit-building tools
Explore options such as becoming an authorized user on someone else's credit card or using a secured credit card to help build or rebuild your credit.