7 ways to improve your credit score


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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.

FREE TOOL: Keep an eye on your credit score for free at myBankrate.

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.

  1. Watch those credit card balances.
  2. Eliminate ‘nuisance’ credit card balances.
  3. Leave old debt on your report.
  4. Use your calendar.
  5. Pay bills on time.
  6. Don’t hint at risk.
  7. Stay focused on your goal.

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