- Check your credit report for errors and dispute inaccuracies
- Pay down high credit card balances
- Make all payments on time
- Consider a credit builder loan or secured credit card
- Limit new credit applications
Check your credit report for errors and dispute inaccuracies
Review your credit report for any errors or inaccuracies that could be negatively impacting your score. Dispute any discrepancies with the credit bureaus to have them corrected.
Pay down high credit card balances
High credit card balances can negatively impact your credit utilization ratio. Paying down these balances can help improve your credit score.
Make all payments on time
Consistently making on-time payments is one of the most important factors in improving your credit score. Set up reminders or automatic payments to ensure you never miss a due date.
Consider a credit builder loan or secured credit card
If you have limited credit history or a low score, a credit builder loan or secured credit card can help establish a positive payment history and improve your credit score.
Limit new credit applications
Each new credit application can result in a hard inquiry on your credit report, which can temporarily lower your score. Limiting new applications can help prevent unnecessary dips in your credit score.