Improving your score.

How to improve your credit score.

If your score isn't exactly where you want it to be, all is not lost. Your credit score is very fluid and by taking action now,
you can help improve your score quickly and keep it higher in the long run. See each tip below for more information.
 

Always pay monthly bills on time.
Late payments can stay on your credit report and slow down your ability to improve your score.

Make more than the minimum payment.
Making more than the minimum payment will create a more favorable debt to income ratio and improve your credit score.

Get credit. Use it.
Using credit is the only way to build credit history. If you don't currently have any credit accounts, open one and use it wisely.

Avoid opening multiple account at once.
Opening new accounts, especially in a short period of time, can negatively affect your score.

Don't max out your cards.
Don't be tempted to spend up to your credit limit. If your debt is more than 25% of your total credit limit, your credit score may begin to fall.

Monitor your credit regularly.
You aren't penalized for checking your own credit report. Check it for errors and potential fraud on a regular basis.

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