Raise Your Credit Score Easily

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Increase your credit score 

Your credit score—a three-digit number lenders use to help them decide how likely it is they’ll be repaid on time if they grant you a credit card or loan—is an important factor in your financial life. The higher your scores, the more likely you are to qualify for loans and credit cards at the most favorable terms, which will save you money.

How can your credit score impact you?

A single mistake on your credit report could decrease your credit score by as much as 110 points severely affecting your ability to get a car loan, home mortage, or low interest rate credit card.

Don’t let mistakes on your credit report prevent you from getting the things you need to succeed. A negatively impacted credit score can mean the difference between being approved or declined for the credit you need.

5 Easy steps to raise your credit score 


You might think that getting your credit score up high enough to get approved for a mortgage is out of your reach, but the truth is that with a little commitment and planning, a year can be more than enough time to improve your score by more than you might realize. Here are five simple ways you can build your credit up over the next year to help you get ready for homeownership!

1. Stay on top of payments. —–Keep your debt under 15% you’re responsible with credit.

2. Leave old debts on your report. — Once you finally get rid of student debt or pay off your auto loan, you may be impatient to get any trace of it wiped from your report.

3. Take advantage of score-boosting programs. — The number and the age of your accounts are both important factors in helping lenders determine how well you handle debt, which can leave those with limited credit history at a disadvantage.

4. Time your applications carefully. —– Every time you apply for a new line of credit, a hard inquiry is pulled on your report. This type of inquiry lowers your score temporarily.

5. Get Secured cards and pay your annual fee upon approval.

Don’t just check your credit, improve it.