If you need to boost your credit score, it won’t be easy.
A credit score isn’t like a race car, where you can rev the engine and almost instantly feel the result.
Credit scores are more like your driving record: They take into account years of past behavior, not just your present actions.
In addition to making the right moves, you also have to be consistent. A few easy steps can move your score in the right direction.
- Watch those credit card balances.
- Eliminate ‘nuisance’ credit card balances.
- Leave old debt on your report.
- Use your calendar.
- Pay bills on time.
- Don’t hint at risk.
- Stay focused on your goal.