- Check your credit report for errors
- Pay your bills on time
- Reduce 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 regularly to ensure accuracy and dispute any errors that may negatively impact your score.
Pay your bills on time
Timely payments are crucial for a good credit score, so make sure to pay all your bills by their due dates.
Reduce 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 applying for multiple new credit accounts within a short period, as it can lower your score.
Become an authorized user
Being added as an authorized user on someone else's credit card account with a good payment history can boost your score.
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
Maintaining old accounts can contribute to a longer credit history, which is beneficial for your score.
Use different types of credit
Having a mix of credit types, such as credit cards, installment loans, and mortgages, can positively impact your score.
Set up payment reminders
Utilize payment reminders or automatic payments to ensure you never miss a payment.
Seek professional help if needed
If you're struggling to improve your credit on your own, consider seeking assistance from a reputable credit counseling agency or financial advisor.