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Resources & Tools

7 Tips To Improve Your Credit Score

Having a good credit score is important to qualify for loans and credit cards. If your credit score isn’t as high as you need it to be, ACCC has 7 tips to help you improve your credit score:

  1. Pay bills on time
    This includes rent, utilities, phone bills, car loans, and student loans.
  2. Keep credit card balances low
    Lowering credit utilization will improve your credit score.
  3. Get a higher credit limit
    Keeping the balance the same with a higher credit limit lowers the credit utilization ratio.
  4. Limit credit card applications
    Too many inquiries on your credit report will lower your score.
  5. Hold on to unused credit cards
    Keeping unused credit cards can increase the credit utilization ratio.
  6. Check credit reports
    Errors on your report could lower your credit score.
  7. Leave old debts on credit report
    Old debts can help your score if the payments were timely and completed.
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