4 Ways You Can Improve Your Credit Score

Not getting approved for the loans or credit cards you are applying for? That means you might need to improve your credit score before your next attempt. While that isn’t exactly a quick and easy process, we’ve got some tips that will help you along the way.

Here are four ways you can improve your credit score.

Ensure That Your Credit Report is Accurate

The first step is to improve your credit score by checking your credit report. Every individual has a total of three credit reports. These reports will come from three major credit bureaus. Credit reports will often have a mistake. In fact, a study in 2012 from the Federal Trade Commission found that nearly one in five consumers had an error on at least one credit report.

Determine What You Need to Improve

A simple error doesn’t mean it is the cause of your poor credit but rather a misspelled version of the personal information. Some errors might be the blame as well. This includes a stolen identity, collection account from the past, unpaid bill from an ex, default on a loan, or mixed credit information with a similar name.

Build A Plan for Improvement

Some you have determined the accurate credit information, now’s the time to take the measures of improvement. You can start by registering for a free Credit.com account and see how it will impact your credit scores in the long run.

Fix Late Payments

While you might want to close your accounts with lots of missed payments, this will actually affect your credit rather than make it disappear. You can organize your card payments easily with your bank to ensure that they will fit your schedule.


With a short history line of credit, there is not a whole bunch you can do to improve it. However, you can have a friend or family member’s card with a history of on-time payments and add them as our authorized user. This might be difficult in finding someone who will be responsible and willing to agree. The best thing to do is to wait it out and not close your accounts.