My credit score is okay. I don’t really have any complaints, because I think it falls into the “average” category. I pay all my bills on time, but I do have quite a bit of student loan debt. Anyway, one of my goals this year was to get my score above a certain number (okay, the goal is 700), so I’m always looking for tips on ways to push it up even a point or two. Having good credit is crucial when applying for a mortgage, or any other loan. Here are some tips by Cathy at Fabulessly Frugal:
-Raise awareness- use a free credit score checker online (like Credit Karma or Credit Sesame) every few months. Knowing what you have to work with is the first step, and will help you see changes.
-Keep a low, but active credit card balance. Have a low limit (below $1,000— the lower, the better), and spend about $50-$100 a month on it. Pay it off on time, of course.
-Pull your free credit report once a year from Experian, Equifax, and TransUnion. Seeing what has affected your score will help you make positive changes in the future!