A good credit score opens doors to loans, lower rates, housing, insurance savings, job opportunities, and essential utilities.

The Importance of Credit Score

Prioritize paying off high-interest debts first to lower your credit utilization ratio.

Pay Off High-Interest Debt

Request a credit limit increase on your existing cards to improve your credit utilization ratio.

Increase Credit Limits

Become an Authorized User

Ask to be added as an authorized user on a family member or friend's credit card with a good payment history.

Negotiate with Creditors

Negotiate with creditors to remove negative marks or settle debts for less than the full amount owed.

Build positive credit history by using a secured credit card responsibly and paying off balances in full each month.

Use a Secured Credit Card

Maintain old accounts to demonstrate a longer credit history and improve your credit score over time.

Keep Old Accounts Open