5 ways to improve your credit score: these tips are life-saving

Having a strong credit score can help you in many ways. If you need some help to build or rebuild yours, you can count on The Post New. Read this content to get useful tips and reach your goals.


You can build an excellent credit score with the proper strategy: learn how to do it!

Business desk concept - CREDIT SCORE
Get these 5 tips to improve your credit score. Source: Adobe Stock.

Don’t get sad about your damaged credit score because there are many ways to improve it.

We know it’s not a comfortable situation, but in just a few months of working on it, you will see the difference. Cheer yourself up, you have some work to do, and we’ll give you some tips!

Rocket Loans review

Rocket Loans application: Learn how to do it!

Find out how to get started on your loan application from Rocket Loans. You can apply online in just a few minutes and receive same-day funding.

How does a credit score work?

The first step to improving your credit score in any way is to understand how it works. It’s like reading the manual to get the instructions. So let’s start at the beginning.

So, a credit score is a three-digit number that ranks a consumer’s ability to deal with credit. It will show your creditworthiness.

If you have a high credit score, it means you’re more likely to pay your bills on time and repay your loans and credit cards.

There is more than one type of credit score, and the exact equation to figure them out is a secret. But we know which factors will have an influence on them and the importance they have.

  • Payment history: It weighs 35% on your credit score. 
  • Credit Utilization: It’s the ratio between your total credit available and what you’re using from it. This represents 30% of your credit score. 
  • Credit history: Represents the amount of time you possess credit lines. That’s why the sooner you start using a credit card, the better. It’s 15% of your credit score.
  • Amount of new credit lines: This factor weighs 10% of your score and goes hand to hand with your credit history. 
  • Types of credit lines you have: 10% of your credit score is made based on your credit mix.

You should consider all of these factors when it comes to building a strong and excellent credit score. That’s what we’ll about to do with these tips

A higher credit score can grant you many advantages: good reasons to improve your score.

Credit score report.
You can get an excellent credit score if you work for it. Source: Adobe Stock.

You might be wondering why you need a better credit score.

But if you knew all the good things in life it can get to you, you would pay more attention to them. Let me tell you a feel benefits of having a good credit score:

  • Get approved for credit cards with lower interest rates
  • Earn more benefits on your premium credit cards
  • Your car insurance will have better rates
  • More chances of getting the house of your dreams
  • If you have children to put in college, a better credit score will grant excellent student loans
  • Your credit card issuer is more likely to give you a credit limit increase if you have an excellent credit score
  • Save money with better interest rates and fees on every line of credit you need in your life. 

How to improve your credit score: 5 simple ways to do it

You get the advantage of having a strong credit score now, right? So get these tips and put them into action today

1) Start using a credit card as soon as possible

This tip is for the ones who haven’t started their credit history yet. Know that the sooner you start using a credit card, the better. Two reasons make this an important move.

First, you’ll get a longer credit history soon, which is good for your credit score. Secondly, you’ll learn how to deal with credit.

Understand how much of it you can use, remember to pay it on time, and feel the impact of paying interest if you carry a balance.

This will give you the maturity needed to handle more robust lines of credit, such as a mortgage or student loan.

2) Pay your bills always on time – always!

As you’ve seen above, the payment history represents 35% of your credit score. This is the most important factor, so pay extra attention to it.

Every time you miss a due date and delay your credit card bill payment, you hurt your credit score a little.

This goes for every bill, including cable, internet, car insurance, etc. Literally, every bill you delay has the potential to hurt your credit score.

But it is especially critical when it comes to paying down your credit lines. So, whenever you can, put your bills on autopay, so you can’t forget about them. 

3) Don’t use your whole credit limit

It’s not just because you have a $10,000 credit limit on your card that you should use all of it. Keep a good ratio between your total credit limit and your credit utilization.

This goes for every type of credit line that you have. 

A good way to do this with your credit card is to constantly pay your card balance. This way, you can enjoy the revolving credit without getting too close to your credit limit.

4) Make an effort to pay off your debts

Carrying debt is extremely negative for your credit score. It’s like holding your score on a leash and walking around scratching it on the ground.

We know being in debt is never an easy situation, but make everything in your power to solve your debts as soon as possible.

5) Keep an eye on your credit reports to catch any mistakes

Credit bureaus receive reports from your credit issuers and add them to your credit score report. But sometimes, these reports contain errors. And it is more common than you imagine. 

You have the right to ask for your full credit score report once every 12 months. Look for mistakes like delayed bills that didn’t happen or information that is far too old to still be there. 

Need some help reviewing your credit report? Ask for professional help!

Credit repair form in a clipboard. Bad credit score.
Make a professional credit repair to improve your credit faster. Source: Adobe Stock.

As tracking your credit reports is very important, it can also be a little confusing. Also, some details can only be perceived by a professional.

There is also the possibility of reviewing your contracts with terms and conditions to see if everything was made correctly. It is also possible to find errors in contracts that invalidate debts.

To get these services, you can talk to a specialized company that works with debt relief and credit improvement.

If you don’t know any, start with The Credit Pros. Take a look at the full review to understand how it works and start your process to get a better credit score.

The Credit Pros review

The Credit Pros review: Credit Repair Made Simple

Are you looking for a credit repair company? Check out our review of The Credit Pros. They can help you dispute inaccurate negative information from your reports.

Trending Topics


Auto Credit Express application: Get your auto loan today!

Learn how to apply with Auto Credit Express and get access to multiple lenders and car dealers with flexible payment options.

Keep Reading

Does paying car insurance help your credit score?

If you are wondering whether paying car insurance helps your credit score, read this article and we will tell you what you need to know.

Keep Reading

FNB Gold Business Credit Card review

Get an in-depth review of the FNB Gold Business Credit Card and learn about the features and benefits you can get with this card.

Keep Reading

You may also like


Chase Freedom Flex℠ credit card review

The Chase Freedom Flex℠ credit card has many benefits, and this review will show you all of them. Read it if you like cashback rewards.

Keep Reading

Ink Business Premier℠ Credit Card application

Are you looking to grow your business and get rewards? See how to apply for the Ink Business Premier℠ Card, and access all its benefits.

Keep Reading

Exchange Bank Unsecured Personal Loan application

Learn everything about how the Exchange Bank Unsecured Personal Loan application process works and how you can apply.

Keep Reading