Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow.

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If you would like to improve your credit score, there are a number of simple things that you can do. It takes a bit of effort and, of course, some time. Here’s a step-by-step guide to achieving a better credit score. 

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Why Does a Good Credit Score Matter?

A good or excellent credit score will save most people hundreds of thousands of dollars over the course of their lifetime. Someone with excellent credit gets better rates on mortgages, auto loans, and everything that involves financing.

1. Review Your Credit Reports

To improve your credit, it helps to know what might be working in your favor (or against you). That’s where checking your credit history comes in.

2. How often should you check your credit score?

You should check your credit score regularly to check for errors, but make sure that you are doing so through soft inquiries so that your score isn’t dinged. 

1. Check your credit score to see why it is low.
2. Pay down your revolving credit as much as possible to lower your credit utilization percentage.
3. Have any inaccurate things removed (especially late payments).
4. Be added as an authorized user to an old account with perfect payment history, ideally with a low utilization rate. Ideally, this is done by a friend or relative, and they do not even have to give you the card. You can also pay certain credit repair services that will broker a deal between you and a stranger to do this.