Six Tips for an Almost Perfect Credit Score
It can seem impossible to have a perfect credit score that comes in at 850 but following these tips can help you stay in the top tier of credit scores, affording you the best loan rates and credit terms. Here are six tips to maintain a close-to-perfect credit score.
- Check your credit report at least once annually and dispute any errors right away. It is free to check your report once per year from each of the three credit bureaus.
- Pay your bills on time or ahead of their due date. Aim to pay bills as soon as you get them or at least one week before they are due, if possible.
- Keep your credit card balances below 30 percent of your credit limit. For example, if you have a credit limit of $1,000 then you should try to keep your daily balance under $300.
- If you have debt, work on paying it down. Start with revolving debt first, such as credit cards and lines of credit.
- Only apply for credit card accounts that you need or intend to use. Too many inquiries for new credit will lower your score.
- Fifteen percent of your credit score is based on length of credit, so think before closing any accounts. Closing an older account could harm your score.
BONUS TIP: Attend our Pre-Holiday Credit Score & Budget Review workshop on Sept. 26 to get personalized tips to improve your score.
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