1. Be Punctual.
Late payments can lower your credit score. Paying your bills on time for several months can begin to raise it.
2. Get Caught Up.
If you're behind on some accounts, the first step is to get current. Then start paying on time — the longer you do this, the better.
3. Pay Down Your Accounts.
If your balance is more than 50% of your credit limit, paying more than the minimum amount due on your account can drive your balance down and your credit score up.
4. Give Yourself Time.
A long history of responsible credit use can boost your score significantly. No matter what might have happened in the past, timeliness and responsibility can eventually help anyone establish good credit.
5. Correct Credit Report Errors.
Check your credit report regularly. If you find any errors — and they do occur occasionally — contact the credit reporting agencies immediately.
Late payments can lower your credit score. Paying your bills on time for several months can begin to raise it.
2. Get Caught Up.
If you're behind on some accounts, the first step is to get current. Then start paying on time — the longer you do this, the better.
3. Pay Down Your Accounts.
If your balance is more than 50% of your credit limit, paying more than the minimum amount due on your account can drive your balance down and your credit score up.
4. Give Yourself Time.
A long history of responsible credit use can boost your score significantly. No matter what might have happened in the past, timeliness and responsibility can eventually help anyone establish good credit.
5. Correct Credit Report Errors.
Check your credit report regularly. If you find any errors — and they do occur occasionally — contact the credit reporting agencies immediately.
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