Do you feel embarrassed about your credit score? Are you curious about how you can keep improving it? Here are 5 tips to help you bring up your score.

1. Make your payments on time- Your payment history is the MOST INFLUENTIAL factor for the most common scoring systems. Your credit score is essentially a reflection of your ability to pay back debts effectively. 

2. Leave old debts on your record- I know, I know. This might sound crazy but having an account with a long history and solid track record for paying the bills on time, every time, are the types of responsible habits that lenders and creditors look for.

3. Take advantage of the credit boosting programs. There are programs that allow consumers to boost a thin credit profile with other financial information. Do your research!                                                                                                  
4. Monitor your credit- Monitoring your credit score’s fluctuations every few months can help you understand how well you are managing your credit and whether you should make any changes.                                                               
5. Patience is key- Rome wasn’t built in a day! Neither will your credit score be. Establish good habits, like paying your balances on time, keeping a low utilization rate, and applying for credit only when you need it, and you should see those practices reflected in your score over time.

Don’t let a low credit score scare you away from taking the steps to prepare for buying a home. I’m connected to lenders here in Dallas! Message me if you would like me to help you get in contact with them!

**This content is for informational purposes only. For further information talk to a financial professional.