Why your credit score matters

• Better loan approvals: Higher scores = better chances of approval for loans, mortgages, or cards.
• Lower interest rates: A strong score can save you thousands over time.
• More opportunities: Landlords, employers, and even insurers sometimes check your score.

6-month credit score improvement plan

1. Month 1: Check your credit report Get a free copy from major bureaus and dispute any errors. Incorrect entries drag your score down.
2. Month 2: Pay bills on time — every time Set reminders or autopay. Payment history makes up ~35% of your score.
3. Month 3: Lower your credit utilization Keep balances below 30% of your credit limit (10% is even better).
4. Month 4: Avoid new hard inquiries Don’t apply for multiple new credit cards unless necessary — each hard check lowers your score slightly.
5. Month 5: Diversify gently If safe, add a mix (like a small secured card or credit-builder loan). Lenders like variety in credit history.
6. Month 6: Keep accounts open & old Don’t close older cards — longer credit history improves your score.

Extra tips for faster progress

• Pay twice a month: Keeps utilization lower when reported to bureaus.
• Use reminder apps: Never miss a payment deadline.
• Ask for a limit increase: More available credit = lower utilization (if you don’t overspend).
• Become an authorized user: A trusted family member’s card with good history can boost your score.