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Keep your credit card balances low. Credit history accounts for 15% of your credit score so keep those old accounts open even if you don't use them. Space out. Check your credit report. · Pay your bills on time. · Pay off any collections. · Get caught up on past-due bills. · Keep balances low on your credit cards. · Pay off. Scores in the fair-to-good range ( to ) might get you loan approval, but your interest rates will be higher than if you had an exceptional credit score. Improve Your Credit · Pay your bills on time (by the due date). On‑time payment history is key. · Lower the amount of money you owe. High debt affects your score. Reduce debt — For a good credit score, keep your credit utilization below 50% and, for a great credit score, keep your credit utilization below 30%. To help.
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