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Tips to Improve Your Credit Score

Improving your credit score can seem daunting, especially if you've struggled with managing your finances. But don't worry—you're not alone, and you can take steps to turn things around. Here are some practical tips to help you improve your credit score and get on track financially.

1. Check Your Credit Report

The first step is to know where you stand. Request a free copy of your credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—through Review your reports for any errors or discrepancies and dispute them if necessary. Errors are more common than you would expect... things like a miss-spelled name can cause your score to go down!

2. Pay Your Bills on Time

Payment history is the most significant factor in your credit score. Set up reminders or automatic payments to ensure you pay all your bills on time. Even if you can only make the minimum payment, consistency is key.

3. Reduce Your Debt

High levels of debt can negatively impact your credit score. Create a plan to pay down your debt, starting with high-interest accounts first. Consider using the snowball or avalanche method to stay motivated and make progress. While you do this, you will also need to reduce your expenses!

4. Keep Credit Card Balances Low

Aim to use less than 30% of your available credit limit on each card. If your credit limit is $1,000, try to keep your balance below $300. This ratio, known as your credit utilization rate, plays a significant role in your credit score.

5. Don't Close Unused Credit Cards

Keeping unused credit cards open can help you maintain a lower credit utilization rate. However, make sure to keep an eye on any annual fees that might not be worth it.

6. Don't Apply for Too Much New Credit

Each time you apply for new credit, a hard inquiry is recorded on your credit report, which can temporarily lower your score. Only apply for new credit when necessary, and focus on building your existing credit lines.

7. Diversify Your Credit Mix

Having a mix of credit types (credit cards, installment loans, etc.) can positively impact your credit score. However, don't open new accounts just for the sake of diversity. Only take on what you can manage.

8. Get Professional Help If Needed

If you're overwhelmed, consider seeking help from a credit counseling service. Reputable organizations can provide guidance and help you create a manageable plan to improve your credit. Just remember, a counselor is not magic, YOU still need to do the work to improve your credit.


Hearing about others who have successfully improved their credit can be motivating. Check out these resources for inspiration and practical advice:

Final Thoughts

Improving your credit score takes time and patience, but every small step you take can make a significant difference. Stay focused, be consistent, and don't get discouraged. You're on your way to better financial health!

Remember: You're not alone in this journey. Many have walked this path and come out stronger on the other side. With dedication and the right strategies, you can too. Keep going!

For more detailed guides and tips, visit the resources mentioned above. Stay informed and proactive in managing your credit to achieve your financial goals.

If your credit is above 640 and you are thinking you would like to buy property in the next year, it is time to talk to Jackie and a lender. For a list of Jackie's preferred lenders, go here.

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