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Although the numbers vary, between 670 and 739 is considered to be a high credit score. Wondering what you can do with a credit score like that? Just about anything.
A healthy credit score allows you to effortlessly land insurance, discounts for a home loan, a higher credit limit, better car insurance rates, and it can even boost your job chances.
Unfortunately, it’s completely useless to talk about benefits if your score is low. We already talked how to pay off debt and now we bring you 3 tips to increase and maintain a healthy credit score.
1. 30% Credit Balance Rule
First, you need to bring the amount of money you owe to a credit company below 30%. Meaning, if your combined credit limit is $1000, you should keep your debt at $300 or less.
A nifty trick you can do is to reduce your debt below 30% just before the end of the billing month.
Finally, to easily keep an eye on your debt, there are mobile apps that allow you to check all your credit cards at once.
2. Keep Inactive Credit Cards
When you close a credit card, the credit company removes your credit card history after 10 years.
This cuts your overall credit age and lowers the credit score. In other words, erases proof that you can manage additional credit you might need.
Still, closing a credit card has benefits like preventing you from recklessly spending money. So, analyze your situation before you make a decision.
3. Set Up Bill Reminders
Paying bills is easier said than done, but timing your credit payments is the biggest contributor to a healthy credit score.
Since we are living a hectic life, we often forget to pay. Thus, you end with a lower score because you forgot to pay a meaningless bill.
To keep an eye on your payments, we suggest an app called Prism. It helped us a bunch of time to pay something we’d probably forget.
#1 Bill reminder & payment tracker! Manage your monthly expenses, income & debt.
- Free
- 50MB
Finally, realize that fixing your credit score doesn’t happen overnight. Imagine it like growing a plant - you have to water regularly for the plant to grow.
But watering a plant isn’t hard work, right? Neither is nurturing your credit score if you know what you’re doing and the tips can help you out.
Finally, by using one of The Best 10 Apps for Monitoring Credit, the entire process will become even easier as long as you commit to making it happen.
Check below:Best 10 Apps for Monitoring Credit
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1
Experian - Free Credit Report & FICO® Score
Free FICO® Score, Experian Boost, CreditMatch, credit monitoring & more!
Experian
1M+ FinanceFree- 99 users said "awesome service"
- Free
- Feature Rich
- In App Purchases
- Editor's Choice
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2
CreditWise from Capital One
CreditWise from Capital One - Free credit score and monitoring
Capital One Services, LLC
1M+ FinanceFree- 128 users said "good information"
- Free
- Feature Rich
- Fresh
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3
WalletHub - Free Credit Score, Report & Monitoring
WalletHub is the only app offering free credit scores and reports updated daily.
WalletHub
100K+ FinanceFree- 16 users said "daily updates"
- Free
- Feature Rich
- Editor's Choice
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4
Credit Sesame
Achieve your financial goals. Free credit score, report card, and action plan.
Credit Sesame, Inc.
1M+ FinanceFree- 114 users said "good tool"
- Free
- Feature Rich
- Fresh
- In App Purchases
- Editor's Choice
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5
Credit Karma - Free Credit Scores & Reports
Track your credit score, get reports and monitor for ID theft. All for free!
Credit Karma, Inc.
10M+ FinanceFree- 2,040 users said "good advice"
- Free
- Feature Rich
- 1M+ Reviews
- Editor's Choice
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6
NerdWallet: Credit Score, Budgeting & Finance
Check credit score, manage your personal finance with this free budgeting app
NerdWallet
100K+ FinanceFree- 16 users said "great info"
- Free
- Feature Rich
- Fresh
- Editor's Choice
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8
LendingTree
Credit Score, Offers and Tips
LendingTree, LLC
100K+ FinanceFree- 94% positive reviews
- Free
- Fresh
- Editor's Choice
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9
Turbo: Financial Score & Free Credit Report
Turbo helps you understand your financial health. See your credit score & more!
Intuit Inc
500K+ FinanceFree- 95% positive reviews
- Free
- Fresh
- Editor's Choice
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