(EliteLikeYou) These days, having an impeccable credit score is more important than ever before. You can’t buy a house, purchase a car, or get a good rate on a loan without a good credit score. Below, you will find,  6 Easy Ways To Improve Your Credit Score!

Where Bad Credit Began

I remember being in college and seeing tables set up by different credit card companies offering all sorts of “gifts” if you signed up. Nowadays, it is more sophisticated, but it is virtually the same thing. 

I knew many people who thought the money would never need to be repaid and went on shopping sprees! As fun as that may have been at the time, they completely destroyed their finances and budget.

At that time, I had no idea what a credit score was or how it would come to impact everyone’s life!

If your credit score is less than optimal, the following are a few tips that can help you improve your credit score, or keep your score going strong.

6 EASY Ways To Improve Your Credit Score

1. Organize Your Monthly Bills– This is the first step in getting a handle on your finances. This will help you determine how many credit cards you have and when they are due. This can help you set up a plan on how to best organize yourself and make sure bills are paid on time.

2. Monitor Your Credit Report– This is extremely important!  Credit reports may be ruined due to identity theft or others purchasing things without your knowledge (this has happened to me!). If you don’t check on it every few months you may miss something that could ruin your credit score. These days, some credit cards will monitor it for you, and send you an update every few months. It’s simpler than ever!

3. Set Up Auto Pay– This is one of the easiest ways to improve your credit score! For me,  one of the biggest issues was remembering when everything is due, even if I was organized. I fixed this issue by logging in to all my accounts and setting up autopay. You can also do this through your debit card if it is easier for you.  After that, it’s just about maintenance and checking in on it every now and again. 

4. Closing Credit Cards is BAD- I used to believe this was the best option to avoid getting into debt. Was I WRONG? Make sure you keep those cards open! If you don’t use your credit cards for an extended period of time, credit companies will close that account. This is an issue because other creditors look at your “creditworthiness” based on how long an account has been open and if you paid them on time. If all that information is gone, they have no way of gauging the kind of cardholder you will be. So, they won’t take the risk with you!

5. Security Freeze– If you are a victim of identity theft, I would recommend a security freeze. You can do this by calling one of the 3 credit agencies Experian, Equifax, or TransUnion. If anyone, including you, tries to open any kind of account, the credit card company will call you. They will confirm your identity and ask you a security question before the account is created.

6. Create a Credit Calendar- Create a credit calendar where you use your cards every 3 to 6 months. Spend a few dollars and pay it off right away to ensure you keep the card open and your credit score top-notch!

Click to receive my FREE Password Tracker, so you can keep all your credit card and bank passwords organized!

I have included a few great budget journals that can support you in Improving your Credit Score!

1. 12 Month Budget Book and Financial Planner– $15.99 
2. Product Essentials Budget Planner– $17.99
3. Clever Fox Budget Planner– $21.99

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