How to improve your credit score

Your credit score estimates how likely you are to pay on time. The higher it is, the better the terms you are likely to be offered.

Pay on time, every time

Late payments hurt your score the most. Set up autopay and reminders for every bill.

Keep utilization low

Using less than 30% of your available credit shows lenders you manage credit responsibly.

Limit new applications

Applying with many lenders at once signals risk. Research first and apply only for what you need.