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Posted in Paying Your Bills
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valerie45

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how can i get a higher credit score
I am very concerned about my credit.

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And you should be concerned. The standard answer for these types of questions:

  • Pay your bills on time.
  • Reduce your credit utilization. Stop spending more than you make!
  • Don't apply for unnecessary credit.
  • Don't reduce credit limits on cards.
  • Don't cancel cards.
  • Don't let the credit card companies cancel for non use. Use your card occasionally.
  • Keep your card balances between 1% and 20% of the credit limits. There is no need to pay them off completely. In fact, paying them off completely is detrimental to your credit.
  • Monitor your credit. If something is in error dispute it!

Over time your credit score will increase. Once you see the increases you will have to ambition to keep improving it.

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