How to improve your credit score?

 

Photo of a man balancing his checkbookIf you do not know everything about how credit scores work and what to do to make them as high as possible, this is the only article that you need to read. If you want to start off with a little background, though, here are more helpful articles:

How to get your free credit report

How to read a credit report

How to understand your credit report

How to get a free credit report

What does not matter?

Income
Age
Marital status
Education
Gender
Race or ethnic identity

What matters?

Paying bills on time
Not maxing out your credit cards
Paying off debt rather than transferring balances to yet another credit card
Pay more than the minimum balance on your credit card

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