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10 Tips on How to Improve Credit Scores



  1. Create a plan to improve your credit score
    Look at any problem areas and address those areas one at a time
  1. Pay your bills on time! All of them
    Not paying bills on time or paying them late can hurt your credit score.
  1. Pay your bill early or twice a month
    Pay down all or part of your bill before the statement period ends
  1. If you have missed payments, get current
    Make those lost payments up
  1. Don’t hit your credit limit
    Use no more than one-third of your credit limit if you don’t want to hurt your credit score
  1. Don’t apply for every credit card
    Too many credit inquiries in a short period of time can hurt your credit score.
  1. Only spend what you can afford
    Don’t use a credit card to live beyond your means, or to roll over the costs of everyday expenses to the next month.
  1. Have a credit history
    The older your credit accounts are, the better your credit score will be. You want to have credit accounts that have been open for 10 years or more.
  1. Pull your credit report from each of the 3 credit bureaus
    Spot any potential errors and dispute those errors.
  1. Limit the amount of credit inquiries on your credit file
    Soft inquiries don’t impact score.  Hard inquiries will lower score




American Consumer Credit Counseling (ACCC) is a non profit credit counseling agency offering services such as debt advice, debt consolidation programs, and consumer bankruptcy counseling. We have provided thousands of families with financial counseling and helped them with consolidating bills and paying off credit cards. For consumers in need of bankruptcy counseling, ACCC is approved by the Department of Justice to provide both pre bankruptcy credit counseling and post-bankruptcy debtor education.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member