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how to increase credit score

Credit score is important to maintain a healthy credit history. If you want to know how to increase credit score, then read this article for 8 steps that will help you reach the 800 range and beyond! 

First, you have to check your credit report for any errors or discrepancies. You can go to AnnualCreditReport.com and fill out a form that will then be sent over to the three major reporting agencies – Experian, Equifax & TransUnion. The next step is also checking on your current status as some score factors are more important than others. You can find this information by looking at your credit score report and checking the following: 

Credit Mix – if you have a variety of accounts open, then it will show that you are financially responsible. If there is not much diversity in terms of what type of accounts you’ve opened (e.g., only revolving credit cards), then this could be hurting your score. 

Credit Utilization – having a high utilization rate means you’re using most or all of your available credit, which is not good for your credit score. Try to keep it below 30% at all times. 

Length of Credit History – the longer you have had credit accounts open and in good standing, the higher your score will be. 

Credit Inquiries – too many credit checks in a short period of time can make lenders think you’re desperate for money and less likely to repay loans. Be mindful when applying for new credit cards or lines of credits. 

Finally, if all else fails, then it may be wise to contact a credit repair service like fullserv.credit.inc. We can help you raise your score quickly by removing any incorrect or outdated information from your report. 

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