Credit Score Secrets Revealed With Zero Complicated Steps

Simple Steps to Improve Your Credit Score

Improving your credit score doesn't require complex strategies. Here are a few straightforward actions you can take:

1. **Pay Your Bills on Time**: Your payment history accounts for 35% of your credit score³. Setting up automatic payments or reminders can help ensure you never miss a due date.

2. **Reduce Your Debt**: Aim to keep your credit utilization ratio below 30%. This means if you have a credit limit of $10,000, try not to carry a balance over $3,000⁴.

3. **Avoid New Hard Inquiries**: Each hard inquiry can lower your score slightly. Only apply for new credit when necessary.

4. **Check Your Credit Reports Regularly**: Errors on your credit report can unfairly lower your score. You can access your credit report for free once a year from each of the three major credit bureaus at AnnualCreditReport.com⁵.