Understand the key factors that impact your score and discover effective strategies to improve it and achieve your financial goals.
Request a Credit Limit Increase Every six months, you can ask for a higher limit on your credit cards. This helps lower your credit utilization rate, which can positively impact your credit score.
Keep Your Credit Utilization Below 30% Good credit management means using no more than 30% of your available limit. For example, if your card has a \$1,000 limit, try to keep your monthly balance under \$300. Exceeding this percentage can negatively affect your credit score.
Apply for a Secured Credit Card Secured credit cards require a deposit of your own money, making them accessible even if you have limited credit history. They don’t require a credit check to be approved, report to the credit bureaus monthly, and help improve your credit score. *(Important: this is not a debit card).
Don’t Close Credit Lines with Positive History Even if you're not using certain cards, keeping accounts with a good payment history open is important. These accounts help extend your credit history and increase your total available credit, both of which can improve your score.
Ask a Family Member or Friend to Add You as an Authorized User Being added as an authorized user on someone’s credit card with a strong payment history can benefit your credit report. The positive history of that account will appear on your report, helping boost your score—without needing to use the card yourself.
Keep Your Credit Free of Negative Accounts Maintaining a clean credit history is essential to improving and protecting your credit score. This process should be handled by a professional, as it requires expertise and consistent follow-up. 🔍 Eliminate negative accounts as soon as possible, such as: ❌ Accounts in collections ❌ Late payments ❌ Medical debts ❌ Auto repossessions ❌ Bankruptcy
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