Boost Your Credit Score: 5 Hacks You Can Use Today

Pay your bills on time

Making timely payments for all bills and loans is the most crucial factor for your credit score. Set up automatic payments to avoid late fees and missed deadlines.

Keep your credit utilisation low

Keep credit card balances below 30% of the limit to avoid high credit utilisation signalling risk. Pay down balances regularly to maintain a low utilisation ratio.

Maintain healthy mix of credit

A mix of credit like a card and loan shows responsible borrowing, but opening too many new accounts quickly can lower your score.

Review your credit report regularly

Checking all three credit bureau reports yearly catches errors to correct promptly, improving your score significantly.

Consider credit repair options

For significantly damaged credit, professional credit repair services can identify and fix errors while advising strategies to improve your score over time.