How To Improve Your Credit Score?

Having a bad credit score can make your life a lot more complicated and stressful than it needs to be. A bad credit score will not only increase the interest rate on any debt you hold, it’ll also make it much harder to receive approval for vital rental or mortgage applications.

Fortunately, the process of boosting your credit score has never been easier. To get you started on the right track, we’ve listed three key tips on how to improve your credit score.

1. Get a Copy of your Credit Report

Don’t worry, it’s free – just visit https://www.annualcreditreport.com/index.action. Once you have a copy of your credit report, set aside an hour (or two) to carefully review the report for incorrect or fraudulent accounts. If you find any errors, successfully disputing and clearing the mistaken charges can go a long way towards repairing your credit score.

2. Pay Your Credit Card Bills First

If you want to improve your credit score, it’s essential that you start chipping away at your debt and begin paying all of your bills on time. However, in terms of payment priority, the most important bill to keep track of is your credit card. In addition to paying your credit card bills on time, make sure you’re also curbing your credit card spending habits and paying off any credit card debt.

3. Reach Out to a Trustworthy Credit Counselor

If you’re facing bankruptcy or living between paychecks, there’s absolutely no shame in getting help from a credit counseling agency. A professional credit counselor will look at your financial situation objectively and put together a personalized credit score improvement plan to help you budget your income/expenses and manage your debt. You can locate a non-profit credit counselor via the National Foundation for Credit Counseling.

Photo: Pexels

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