Check Your Credit Report for Errors
Review your credit report from each bureau for mistakes. Dispute incorrect accounts or late payments directly with the bureau. Accurate data is the foundation of a healthy score.
Pay Bills on Time and Reduce Debt
Payment history is the largest factor in your score. Set up autopay or reminders to avoid missed payments. Lowering balances also improves your credit utilization ratio, which measures how much of your available credit you are using.
Keep Old Accounts Open and Limit New Applications
Length of credit history matters. Avoid closing old cards unless necessary, as they contribute to your average account age. Only apply for new credit when needed, since hard inquiries can temporarily lower your score. For more guidance, visit https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
