Top 5 Ways to Improve Credit Today

Top 5 ways to improve credit

  • Pay Your Bills on Time

Sounds simple but it’s easier said than done. This has a huge impact on your credit Negatively if you don’t pay on time, Positively if you do. Set reminders days before your bills are due. I use to send reminders and keep track

  • Leave Old Debt on your report

Provided that the debt is paid off with a good payment history, you should leave it on your report. Keeping old debt on your report gives you the longevity of your credit history. This is a great attribute to your score.

  • Don’t Max out your cards

In order to maintain decent credit, creditors want to know that you can use credit responsibly. Leaving your balances below 30% every month will help you maintain credit. Paying your balances down to 10% will build your credit tremendously. Do not pay cards off completely.

  • Pay your bills twice a month

Sounds crazy but this is the way to build credit fast. Making two payments before the debt is due helps build your credit. Paying a twice a month pays the debt down fast because the second payment goes to the principal of the debt, not the interest.

  • Mix it up

Using a different kind of credit can make for a modest boost to your score. For example, you might take out a small personal loan from the credit union or buy a piece of furniture or appliance on installment (but only if you’re 100% sure you can and will meet the payment schedule).

If you need help on any of this email us at if you need some serious credit help and are interested in purchasing a home set up a consultation. Book for Free Consultation Here

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