Posted on: Nov. 13, 2016 in Credit, Credit Score

Your credit score can never be too high, so raising it is always a good idea. There are plenty of things you can do to lift your score higher. Here are three more relatively easy ways you can start to improve your number.


1. If you have credit available to you, use it. Avoiding your credit cards will only serve to bring your score down. When you use your cards responsibly by making purchases and then paying them off, you’ll start to see your score go up. Late payments and defaulting on payments are what make your score go down. Using your card wisely does not.

2. If you have credit cards that are nearly maxed out, pay those down a bit first. Part of your credit score is based on your available credit. So if you’re nearing your limit, paying down that card can help improve your score. Experts say that, ideally, you’ll be using no more than 20-30% of your available credit. While that may not be possible now, the more wiggle room you can build in, the better your credit score will be.

3. Check your credit report. If you haven’t ordered your credit report lately, do so. You’re entitled to one free credit report per year from each of the three major credit bureaus. Be sure to check them regularly - finding and correcting errors in your report will boost your scores.

Remember - paying your bills on time is always the best approach to maintaining your score. But if you can improve your score by taking some of these steps, you’ll see your score start to inch up.

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