8 Easiest Ways to Improve Your Credit Score 


8 Easiest Ways to Improve Your Credit Score 

Sad man looking at credit score at a desk.
Photo by LightField Studios – Shutterstock.com

When our financial stability hangs in the balance, it’s no wonder we turn to the magical, three-digit number. The higher the score, the better. With it, we’re expected to easily navigate financial decisions and with debts and loans being a bigger and bigger part of our everyday lives, it’s no wonder it’s often at the forefront of our decision-making process. 

But before we get into the nitty-gritty, first we have to discuss how your credit score is calculated. Without knowing this, it’ll be hard to understand why certain steps in the process are necessary in order to improve it. 

For a full review, check our article on how your credit score is calculated. But what you should know for now is that it’s all based on mathematical algorithms. Because lenders compute scores differently, you may end up with more than one, but the basics are all the same. 

For example, one financial company might consider more of your payment history than others. So, in that sense, degrees may vary, but the overall quality of your credit score stays the same. What these lenders will typically look at is your credit you use regularly, how long you’ve had your accounts open and what type of accounts they are, your payment history and how often you apply for new credit. 

With all that being said, let’s look at what you can do to improve your score. 

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