How To Increase ⬆️ Your Credit Score FAST

Every week I talk to at least one person that needs help fixing their credit score. It's very common.

Whether you're looking to buy a new home or simply improve your financial standing, maintaining a good credit score is essential. Here are 3️⃣ easy steps you can take to help raise your score:

1. Pay Down Your Credit Card Balances
One of the biggest factors in your credit score is your credit utilization rate—the percentage of your credit limit that you're using. Keeping your balances below 30% of your credit limit shows lenders that you’re managing debt responsibly. Paying down high balances over time can make a real difference.

2. Set Up Automatic Payments to Avoid Late Fees
Payment history makes up about 35% of your credit score, so even one missed payment can have a significant impact. Consider setting up automatic payments to ensure your bills are paid on time every month. Even a small on-time payment each month will help build consistency in your payment history.

3. Avoid Opening New Accounts
Opening new accounts can affect your credit score by lowering the average age of your accounts. Instead, focus on responsibly managing your existing accounts. Patience and consistency are key when it comes to improving your score.

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