Now that you know what makes a good credit score, you're ready to be a high achiever when it comes to your credit score. Here are a few things you can do to improve your credit score, no matter what score is being used.
Check your credit report for any mistakes.
Check your free credit reports often to make sure that your score is a true reflection of how creditworthy you are. Your goal is to make sure there are no mistakes that could lower your score. AnnualCreditReport.com is where you can get your three free credit reports.
On time, pay your bills
There is no magic trick that will make your score go from 600 to 670 in a short amount of time. But you can improve your score if you have a history of making payments on time.
Your payment history makes up 35% of your FICO score, so make sure you pay your bills on time. I'm talking about paying all of your bills on time, whether they are for your credit card, your mortgage, or your cellphone. You can't have bad payment habits and have a great credit score at the same time.
If you are building or rebuilding your credit, there are things you can do to move up to having good credit. All it takes is a little bit of time and a little bit of patience.
Check your credit report for any mistakes.
Check your free credit reports often to make sure that your score is a true reflection of how creditworthy you are. Your goal is to make sure there are no mistakes that could lower your score. AnnualCreditReport.com is where you can get your three free credit reports.
On time, pay your bills
There is no magic trick that will make your score go from 600 to 670 in a short amount of time. But you can improve your score if you have a history of making payments on time.
Your payment history makes up 35% of your FICO score, so make sure you pay your bills on time. I'm talking about paying all of your bills on time, whether they are for your credit card, your mortgage, or your cellphone. You can't have bad payment habits and have a great credit score at the same time.
If you are building or rebuilding your credit, there are things you can do to move up to having good credit. All it takes is a little bit of time and a little bit of patience.