The credit score is one of the most critical numbers in your life. It stays with you forever and can be the difference between getting a loan or not when buying a home, a car, or even an apartment. You don’t have to use the lowest credit score, but you must see how your score compares to other credit scores. Getting an increased credit score is often tricky. Please don’t waste your time with companies that say they can improve your credit score. They will likely do so, only to take your money and not deliver. Instead, read this article and find out how you can improve your credit score on your own.

 5 Easy Ways to Improve Your Credit Score 

Credit is the most critical factor in getting approved for a loan. If you’re struggling to get approved for credit, you could be missing out on the millions of dollars in available loans. Here are five easy ways to boost your credit score based on personal experience:

Pay Off Unnecessary Debt

When you clear out all your credit card balances, you’ll increase the available room for new and better loans. If you’re looking to improve your credit score, the first step is to pay off as many of your credit card balances as possible.

Use Credit Only Wisely

You’ll want to remove any credit card accounts that don’t belong in your portfolio. You can do this quickly by looking at the balance on each credit card account and seeing if it’s worth keeping open.

Get a Credit Card with a Low Annual Fee

When you pull out your credit card statement and see how much you’re paying per year for each card, look for cards that have the lowest annual fee. These are the most attractive options because they have low yearly expenses, but you’ll pay more with these cards to access your credit limit.

Get Your Free Credit Score

Once you’ve cleaned up your credit profiles, go to the bureaus’ websites and get your free credit score. You want a score that shows lenders you’re ready to take on more loans and build a strong history of paying off debts on time.

Use All Three Credit Bureaus

Don’t rely exclusively on one credit bureau for your credit score. Having good credit at all three bureaus will help you be recognized as a reasonable risk when lenders are looking for new borrowers.


Getting a better credit score takes time, but it’s definitely worth the effort. The more time and money you spend on improving your credit score, the more returns you’ll see when applying for new loans.