How can I improve my credit score?
Top moves: (1) Pay all bills on time — 35% of FICO. (2) Keep credit utilization under 10% — 30% of FICO. (3) Don't close old cards — length of history matters (15%). (4) Limit new credit applications — hard pulls hurt (10%). (5) Diversify credit types if needed (10%).
More context
Top moves: (1) Pay all bills on time — 35% of FICO. (2) Keep credit utilization under 10% — 30% of FICO. (3) Don't close old cards — length of history matters (15%). (4) Limit new credit applications — hard pulls hurt (10%). (5) Diversify credit types if needed (10%). The exact answer depends on your specific situation — the numbers above are a strong starting point, but the right next step is to plug in your actual figures.
For a deeper analysis, use one of the related tools below — they take your specific income, debt, location, and goals as inputs and produce a tailored answer.