5 Steps to
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5 Quick Steps to a Better Credit Score
Learn how to manage your credit score and improve your creditworthiness
Think of your
credit score as a picture of your credit risk. This picture reflects
your risk at a specific point in time. A picture does not change; however,
when you take another one, you will probably look a little different.
Similarly, when your credit information changes, your score will also change
to reflect the updated information.
There are steps you can take to ensure that each time a new
“credit picture” is taken, it shows your best side. By observing the
following guidelines, you can influence your credit worthiness for the
- Be punctual- Pay all your bills on time. Late payments,
collections, and bankruptcies have the greatest negative effect on your
- Check your credit report regularly and take the necessary steps to
remove inaccuracies – Don’t let your credit health suffer due to
inaccurate information. If you find an inaccuracy on your
credit report contact the creditor associated with the account or the
credit reporting agencies to correct it immediately.
- Watch your debt – Keep your account balances below 50% of your
available credit. For instance, if you have a credit card with a $1,000
limit, you should try to keep the balance owed below $500.
- Give yourself time – Time is one of the most significant factors
that can improve your
credit score. Establish a long history of paying your bills on time
and using credit responsibly. You may also want to keep the oldest account
on your credit report open in order to lengthen your period of active
- Avoid excessive inquiries – A large number of inquiries occurred
over a short period of time may be interpreted as a sign that you are
opening numerous credit accounts due to financial difficulties or
overextending yourself by taking on more debt than you can easily repay.
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