For the past few years, my credit score has been hovering slightly under 700. I’ve gotten it up from 660 to 680, but I still haven’t hit that ideal number yet. I pay all my bills on time, but I only have maybe two lines of credit, and I still have a pretty tidy pile of student loan debt. While I understand what the causes of my credit score are, it’s always good to look for little ways to perk it up a bit. That’s why I’m always reading articles like this one by Slapdash Mom. Here’s how she raised her credit score over 200 points:
-Know your credit score- sign up for a free account at creditkarma.com, or get a full, free credit report at annualcreditreport.com.
-Sign up for a new credit card- use your card (don’t go above 30% of your limit) and pay it off monthly.
-Know that hard inquiries will temporarily hurt your credit score. If you are signing a lease for a new apartment, buying a car, taking out a credit card, and applying for loans all the same time, it WILL hurt you.
-Pay off your debts as fast as you can.
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