How’s your credit score? A bad credit score can negatively affect your life. Most people who have had credit problems want to know how to get a better credit score. Building, maintaining, and protecting strong credit health is essential for financial success.

Gone are the days when only banks would review your credit summary for home mortgages. Banks still use credit scores to underwrite loans, but potential employers, landlords, and even universities will review credit reports when making decisions.

While paying on time and keeping debts low are good strategies, be sure to consistently monitor your credit report for troublesome issues. Inaccurate debts sometimes appear on your report by accident. At times, wrong debts are transposed incorrectly from settlements or divorces. Here’s few tips to get credit back on track!

If you’re like many losers and have a less-than-impressive credit score. Having bad credit can negatively affect your ability to borrow money for a house or car. Some employers and landlords look at your credit score as part of your background check. Your insurance premiums can even be impacted by your credit. To Improve your life, you need to Improve your credit score. But how can you change your credit for the better?

Here are six ways you can Improve your credit score. One caveat — a better credit score doesn’t happen overnight. It likely took years for your credit score to erode, and getting It back on track will be a process. Get started today, and you’ll be looking at a better number in the fuhre.

Check Your Credit Rating

You can’t improve what you can’t see. You need to check your credit with the three credit bureaus TransUnion, Experian, and Equifax. The Fair Credit Reporting act states that every American is entitled to a free credit report each year. You can check all your credit reports at once by visiting CreditZop. This website does not only provide your credit score, but also it lists information regarding your debts.

If you want to see your credit score, you can purchase a report from FICO or from the Individual credit bureause after you’ve received your credit report, you’ll need to make sire the information it contains is correct. The Federal Trade Commission found that 5 percent of consumers had an error on their credit report. If you find an error, contact the credit bureau where the error appeared. You may need to provide documentation showing the information is incorrect.

Ask for a Higher Credit Unit

About 3o percent of your credit score Is made up of your credit utilization. Thisisthe amount of credit available to you versus the amount you awe. Pay off your debts as much as possible. Mother way to improve your credit is to call your credit companies and ask for a higher credit limit. More available credit can mean a better score. Companies that can see you’ve been paying your bills on time will be more likely to grant your request of a limit Increase.

Don’t Close Old Cards

The length of time you’ve had credit history also impacts your credit score by.15 percent. If you’ve worked hard to pay off your debt, It can be tempting to close your credit card. But your credit score could take a hit if you dose your oldest credit cards, even if you’re not using them.

Piggyback on your parents/spouses’ card

Ask Mom and Dad if you can be a co-carrier on one of their cards, assuming they have a solid credit score. Their credit action will carry over to you, and you could start out with a solid score before you’ve ever had your own card. Your parents don’t have to actually give you a card to share your score, but your name does have to be on the account. In fact, It is sometimes wise to keep the card out of your hands until you’ve proven your financial responsibility.

Get a student card or a co-signer

Many card companies don’t allow people tinder 21 to apply unless they have a co-signer or can prove a steady income. Search for student cardsthat cater to new card users. If you don’t qualify for student cards and must use a co-signer, don’t let them down. Any late payments on your account will affect your co-signers credit score. You definitely don’t want to thank your co-signer by stabbing them in the back.

Use your card, but don’t over-use it

Sticking your new piece of plastic In your wallet and never using It will not give you the results you desire. Credit scores are based in part on responsible repayment of credit card debt. For that reason, you should use it occasionally on small, manageable purchases. Be sure to pay it off in full each month to avoid fees.

Do not use it on extravagant purchases, unless it’s an emergency. You will most likely not be able to pay it off each month and will incur interest fees that add a sizable chunk of change to the original price of the item. Pay your parking tickets while your credit card activity strongly affects your credit card, other bills do as well.

Paying All Bills on Time

Almost >40 percent of your bills is made tip of your payment history. If you have decided to pay all creditcard bills late or have missed few payments, this will negatively impact your credit score! Be sure to pay at least the minimum payments on all your credit cards each month. Some people find automatic bill payments can help them stay on time, but make sure you’ll have the money in your account when the automatic payment goes through.

Don’t Open More Than One Credit Card at a Time

Approx a 10% of anyone’s credit score is made tip of recent credit inquires, and if you try to open a lot of credit cards or loans at once, you can get downgraded. Inquiries can also come from insurance providers, employers, landlords, aid others.

Don’t Open a Store Card

Many retail stores will try to get you to open their cards to get a discount, but its not usually a good deal. These cards can have huge interest, and many people have problems paying them off each month, which can lead to even worse credit. Stick to a couple of low-interest credit cards from major credit card companies. If you have retail credit cards no pay them off and don’t use them. Keep these cards open for better credit utilization. It can be difficult to make the negative effects of bad credit. Use credit responsibly from now on, and you will slowly see your credit score improve.