6 Ways To Raise Your Credit Score

[{"selector":"#anim-5aae68fb-10f7-4be8-a79e-4a9b18e25b44","keyframes":{"opacity":[0,1]},"delay":0,"duration":2300,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e39eb63-2f4c-43aa-8b5e-1751f44a23e2","keyframes":{"transform":["translate3d(-381.5534%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2300,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65b86bb4-f26e-4222-a92f-78bee614e6aa","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-606b8745-3a2e-4e7e-8f3d-0d1db7927b5d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a32a9879-0849-41bb-a7a0-df665358c5db","keyframes":{"transform":["translate3d(0px, 92.72432%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Our financial lives depend on our creditworthiness. When we go for a loan, lenders review our credit report and our FICO credit scores to determine our annual percentage rate (APR).

The higher our score on a 300-850 score, the lower the borrowing rate we will pay on our loans for our car, mortgage, or college tuition.

1. Check Your Credit Report For Errors

[{"selector":"#anim-5e928244-08de-40e9-860a-f230eccca57c","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8c19064-a61c-4ade-a103-fce7ec2461a3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-534cacbb-8100-4cbb-98c3-9ae89f2ab917","keyframes":{"transform":["translate3d(-95.21127%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

The credit bureaus require you to pay the minimum amount required on time. They are looking at your payment history, which counts a lot towards your overall credit score.

[{"selector":"#anim-24bcd5cf-eb5d-4e95-9ea0-1cbf50cbfb1d","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-93df3df9-4eae-4338-86f4-899eb276daef","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e9efab7-914d-45db-8803-a3d5ba68ab79","keyframes":{"transform":["translate3d(-93.76854%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] 2. Pay Bills On Time Learn more

The credit utilization ratio is an essential contributor to your overall credit score. Being disciplined about your debt levels is vital for the financial future.

[{"selector":"#anim-9884c37e-c30a-4525-90bf-1dc05c9bec94","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a29289e-08dd-4c45-ad15-857d46c187d1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9bd04d26-13a5-4f05-8281-d61262e07b2b","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] 3. Reduce Your Debt Learn more

4. Little To No Credit History

[{"selector":"#anim-315b0430-2b7f-45bf-a711-bff9c06a5ddb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-11c0d5bb-c73c-45a1-91bd-7d2e4b222413","keyframes":{"transform":["translate3d(-94.83283%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d4800ea4-04dc-4932-88e4-66d39f8ebcab","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

If you have credit cards, you no longer use or need it, it is better to cut them up and put those cards in a drawer and forget about them.

[{"selector":"#anim-bd3d941b-4617-43c2-83be-009708919da5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce907b81-a88a-4c5b-86be-fe382bf91495","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82f1c774-cb2b-4195-b822-c40fed6597f7","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] 5. Don’t Close Any Unused Credit Accounts Learn more

6. Apply For New Credit Sparingly And Only If Needed Credit mix is a factor in your score, though not as influential as credit utilization. Think carefully before applying for more credit than necessary.

[{"selector":"#anim-0d214760-cf7d-4df6-af57-dd3c46b57335","keyframes":{"opacity":[0,1]},"delay":100,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Read The Full Article

SWIPE UP TO READ MORE

[{"selector":"#anim-0ee1ebf6-4b5c-4ad1-97b3-c3c067945da2","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d6ae5e1-6683-482d-a7b9-5a1379ad0a90","keyframes":{"transform":["translate3d(0px, -300.31748%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

[{"selector":"#anim-2aff9e64-8b35-4ba0-a372-ef7dd6240a57","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de74c3aa-a379-49df-bf6a-67c27b5babaf","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.5)","offset":0.33},{"transform":"scale(0.95)","offset":0.66},{"transform":"scale(1)","offset":1}],"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-847bd7ca-d261-48bf-b32c-f22d722699b2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-673f004a-1e92-47e1-90fe-6e83e999e888","keyframes":{"transform":["translate3d(-161.46791%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4626d25-3e3b-4f36-9f91-ddbad13952c0","keyframes":{"opacity":[0,1]},"delay":400,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0a31e51a-2637-4255-a9b7-92839c7eae83","keyframes":{"opacity":[0,1]},"delay":700,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9018431-c888-4573-a050-dfa788362156","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ae3e76c1-3232-49d0-aca3-e5a855bfc257","keyframes":{"transform":["translate3d(-163.30274%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a0c7cefc-3ee3-456c-9416-104149d910c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-02f3e8c7-521f-478e-935b-52abb9428be9","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7863243b-7275-4da9-b23a-7038a9034eb0","keyframes":{"transform":["translate3d(-163.30274%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59220cf4-3201-4e32-93a3-251167e3ebcb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] 14 Best Websites To Find Free Textbooks Online Read more Finding the Perfect Courthouse Wedding Dress What Is A Money Market Account And Is It Right For You? Read more Read more