15 Ways to Improve Your Credit

There are a lot of good reasons to improve your credit score. It can help you secure an apartment, qualify for a mortgage or car loan, and pay less for home and car insurance. I can also help you negotiate better rates and terms on financed purchases. It may even let you access more valuable rewards and perks that often come with credit cards that are targeted to people with excellent credit.

Payment delinquencies of 30 days or more may significantly lower your score. This is especially true if there are several such late payments on your credit report. Late payments will also likely result in additional fees and raised interest rates. That means it will cost you more to keep using that credit and may reduce the amount of cash you’ll have on hand to pay down balances.

Credit utilization is the ratio of credit that you use at any given time to the amount of your total credit limit. For example, if you have a combined total…

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