Pay Bills on Time

Timely payments have a major impact on your credit score, showcasing financial reliability.

Reduce Credit Card Balances

Lowering your credit utilization ratio helps to boost your score and maintain healthy credit.

Avoid New Credit Inquiries

Each hard inquiry lowers your score slightly, so only apply for credit when necessary.

Diversify Credit Mix

Having different types of credit (loans, credit cards) can positively influence your score.

Keep Old Accounts Open

Long credit history improves your score; closing old accounts may shorten your credit length.

Regularly Check Credit Reports

Monitoring reports helps you spot errors or fraudulent activities that might damage your score.

Limit Large Purchases

Avoid making large purchases on credit to maintain a lower utilization rate and healthy score.

Settle Any Outstanding Debts

Paying off debts like collections or charge-offs helps rebuild your credit over time.