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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.

American Consumer Credit Counseling (ACCC) offers consumer credit solutions ranging from debt counseling and debt consolidation relief, to pre-bankruptcy counseling and post-bankruptcy debtor education. If you are seeking debt consolidation options, ACCC offers a simple and effective consolidation program that's more prudent and beneficial than a debt settlement solution or taking out loans for debt consolidation. For personalized credit counseling advice and to learn about the best way to consolidate debt, contact an ACCC credit advisor today.

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