Improve Your Credit Score
Proven strategies to boost your credit score and maintain healthy financial habits for long-term success.
Actionable Strategies
Pay Bills On Time
CriticalSet up automatic payments or calendar reminders for all credit accounts. Payment history accounts for 35% of your FICO score.
Lower Credit Utilization
HighKeep balances below 30% of your credit limit. Pay down existing debt and avoid maxing out cards.
Dispute Credit Report Errors
HighReview your credit reports annually and dispute any inaccuracies with the credit bureaus immediately.
Become an Authorized User
MediumAsk a family member with good credit to add you as an authorized user on their account to benefit from their positive history.
Keep Old Accounts Open
MediumLength of credit history matters. Keep older accounts active even if you don't use them frequently.
Diversify Credit Mix
LowHaving a mix of credit types (credit cards, installment loans, etc.) can positively impact your score over time.
Timeline for Improvement
Credit improvement takes time and consistency. Here's what to expect at different stages.
Dispute errors, pay down high balances
Consistent on-time payments show pattern
Credit utilization improvements reflect
Significant score improvements visible