Hey WalletHubbers! Today we’ll talk about how you can improveyour credit score.
The single most important part of credit improvementis paying all of your bills on time every month.
This will add positive info to your creditreports and keep your score headed in the right direction.
Beyond that, there are three things you cando to improve your credit score quickly.
First, make sure your balances are well belowyour spending limits on your credit cards.
You can do that by paying down debt, spendingless, paying your bill more often or asking for a higher spending limit.
The second way to improve your credit scoreis to dispute credit report mistakes.
Removing negative information from your creditreport could lead to a big credit-score increase.
But you can only remove information if it’swrong or the result of fraud.
So go over your report with a fine-tooth comb.
If you find something fishy, investigate itfurther and, if necessary, file a dispute with the credit bureau.
WalletHub’s Credit Report Timeline is acool feature that makes it easy to see all the important changes on your credit report.
Third, you can become an Authorized User.
If a family member or close friend has excellentcredit, ask them to add you as an authorized user on an existing credit card, preferablyan old one with a high credit limit.
They don’t even have to give you the plasticfor you to benefit.
Finally, paying off any collections accountsyou might have will give your credit score an immediate boost.
Credit scores often don’t count paid collectionsaccounts.
Now that you know how to improve your creditscore, it’s time to do it! Click the button here to see your currentcredit score for free, as well as personalized recommendations for improving your score.