Get free credit reports from Experian, Equifax, and TransUnion. Check for mistakes and dispute them.
Paying bills on time is one of the best strategies to improve your credit score. Set up automatic or reminder payments to never miss a payment.
Reducing credit card balances might boost your credit score. Credit utilization (credit card balances to credit limits) should be below 30%.
Ask a trusted friend or family member with a good credit history to add you as an authorized user on their credit card.
If you have outstanding collections, negotiate with the collection agency to pay off the amount and remove it from your credit report.
Credit cards, installment loans, and mortgages can boost your credit score. Open new credit accounts only when necessary.
Credit history important. Keep previous accounts open even if you rarely use them. They boost credit scores.
Experian Boost lets you put energy and telecom payments in your credit report. A good payment history can increase your score.