There are useful things you can do today to to maximize or improve your credit score. Here are some ideas for building the highest credit score:
- Pay your bills on time.
- Get current with past due payments and stay current. Your credit score is based on your history of paying your bills responsibly each month.
- Keep balances low on credit cards, credit lines, and other revolving credit.
- Don’t close unused credit cards as a short-term strategy to raise your credit score.
- Limit the number of new credit cards.
- If you are a new credit card holder, don’t apply for too many credit cards at once. This could lower your credit score.
- Apply for and open new credit accounts only as needed.
- Have credit cards – but manage them responsibly