How to Raise Your Credit Score in Three Easy Steps

If you’re interested in raising your credit score, the process is actually easier than you might think. It requires some discipline and patience, but all it takes is a few steps to set you on a track to financial success. If you take the time to monitor your accounts, pay off your debt, and be timely about paying your bills, you can prove that you are credit-worthy over time. Consider taking action on these easy steps:

1. Monitor your accounts. Make sure that you look at every monthly bill. This is not only to be aware of what you’re spending, but to learn as quickly as possible if any possibly fraudulent activity is taking place on your account. Knowledge is power when it comes to your credit.
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2. Prioritize paying off any debt. Your debt-to-credit ratio plays an important role in your credit score. This ratio describes the amount of available credit you have and compares it to the amount of debt you have. The less debt you have, the better your score will be.


3. Pay your bills on time. Your payment history makes up a significant percentage of your credit score, so paying your credit cards on time plays a huge part in your credit score. Consider doing everything you can to pay your bills on time, every time to avoid having a negative impact on your credit report.

Ultimately, if you continue to practice these three easy steps, you’ll see your score improve over time.