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One in four credit reports contains errors but finding and fixing these mistakes can be tricky and time-consuming. Credit repair companies work with you to locate, correct, or remove mistakes that negatively impact your credit report. In some cases, teaming up with a credit repair company can quickly increase your score. These companies also offer other valuable services like credit score monitoring, personal finance tools, and identity theft insurance to help you gain and maintain a good credit score.
Building your credit is a process that takes time, but where to begin? Traditional unsecured credit cards are hard to get without a credit history, so applying for a secured credit card is a significant first step toward building a positive credit score. Secured credit cards require an initial deposit that the issuer holds. Another way to establish credit is to take out a small loan with a co-signer who has good credit.
One of the easiest ways to improve your credit score without even making a payment is to reach out to the credit card companies and ask for an increase in your credit limit. When your credit limit goes up, your utilization immediately improves, and your score increases. If your history of on-time payments is good and you've maintained a reasonable credit utilization ratio, at least some of your creditors are likely to increase your limits. Either way, it doesn't hurt to ask.
Whether you want to improve a less than stellar credit score or sustain a perfect one, it's essential to keep the balance on your cards as low as possible. Your card balance weighs heavily on your score, and your total utilization on a single card should not exceed 10% from month to month. Ideally, pay your balance in full each month. This approach helps you avoid paying interest, and it's one of the best ways to make a substantial difference in your score.