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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
- 46.2MB
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, CreditMatch, credit monitoring, real-time alerts & more!
Experian
1M+ FinanceFree- 55 users said "free credit report"
- Free
- Feature Rich
- Fresh
- In App Purchases
- Editor's Choice
Video & Screenshots
Editor’s Review
- Smart Analytics combined with a vast pool of credit data makes matching you with the right credit card easy
- Swipe through fun-to-use Account Bubbles to view credit accounts, inquiries & public records effortlessly
- Fingerprint sign-in is secure, fast and super efficient
Reviewed by Laura S on December 11, 2017
Review Highlights
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helpful
in 789 reviewsYes i love Experian, very helpful..Thanks bunches!
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easy to use
in 780 reviewsVery easy to use and intuitive. ..
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informative
in 170 reviewsConvenience, security and informative. A great way to manage your credit
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great tool
in 115 reviewsUp to date alerts... great tool to watch and find ways to improve credit score.
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free credit report
in 55 reviewsExperian free credit report makes it easy to be aware of your credit scores and anything
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accurate information
in 45 reviewsGreat and accurate info.
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0%
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0%
Top Features
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95%
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95%
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90%
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90%
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89%
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88%
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87%
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87%
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86%
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81%
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2
CreditWise from Capital One
CreditWise from Capital One - Free credit score and monitoring
Capital One Services, LLC
1M+ FinanceFree- 50 users said "good tips"
- Free
- Feature Rich
- Fresh
Video & Screenshots
Review Highlights
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helpful
in 1,384 reviewsReally helpful app. highly recommended. something I use often !
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easy to use
in 828 reviewsVery convenient and easy to use
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informative
in 265 reviewsEasy to use.. Very informative, love the simulator!!
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great tool
in 150 reviewsGreat Tool Makes it easy to stay on track with your Credit Score.
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good tips
in 50 reviewsGreat, timely information; great advice; well-designed app and an all-around pleasant,
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accurate information
in 24 reviewsgood, accurate information. very helpful in my "life" planning.
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0%
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0%
Top Features
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96%
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94%
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94%
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93%
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92%
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92%
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90%
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84%
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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- 12 users said "good information"
- Free
- Feature Rich
- Editor's Choice
Video & Screenshots
Editor’s Review
- Wallet Fitness helps you improve your credit score with daily reports, custom tips, and personalized suggestions
- Registration is super simple. Provide only your basic information and you’ll be done in 2 minutes
- Quickly confirm the accuracy of credit-report changes when you customize your account to receive alerts by email or SMS
Reviewed by Laura S on December 12, 2017
Review Highlights
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helpful
in 85 reviewsI think it's great and very helpful in monitoring credit
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easy to use
in 62 reviewsNice to finally get my score for free and it's easy to use!!
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informative
in 23 reviewsThe app is easy to use and informative.
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good information
in 12 reviewsGood information easily accessed. Helpful and free.
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0%
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0%
Top Features
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90%
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89%
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84%
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4
Credit Sesame
Achieve your financial goals. Free credit score, report card, and action plan.
Credit Sesame, Inc.
1M+ FinanceFree- 58 users said "good tips"
- Free
- Feature Rich
- Fresh
- In App Purchases
- Editor's Choice
Video & Screenshots
Editor’s Review
- Gain complete control over credit scores & track your progress effortlessly with a personalized credit Report Card
- Keep a constant eye on your credit. Enhanced Alerts will let you know immediately when anything changes on your credit report
- Create a promising financial future. My Borrowing Power gives you personal recommendations based on your personal credit history
Reviewed by Laura S on December 12, 2017
Review Highlights
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helpful
in 718 reviewsHELPFUL IN MANY WAYS JUST LOVE HOW IT GETS YOU BACK ON TRACK.... 👍👍
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easy to use
in 372 reviewsit's so easy to use and has helped me manage my my money so I can see it all in one place
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informative
in 127 reviewsIt's very accurate and informative.
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great tool
in 97 reviewsEasy to use, great tool for keeping an eye on your credit
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good tips
in 58 reviewsVery user friendly & I LOVE the helpful tips. I recommend this app to EVERYONE!
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free credit score
in 21 reviewsFree credit score and monitoring. How you can beat that
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0%
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Top Features
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96%
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94%
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93%
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93%
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91%
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90%
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89%
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89%
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87%
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85%
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5
Credit Karma
Track your credit scores, monitor for ID theft, even file your taxes. It’s free!
Credit Karma, Inc.
10M+ FinanceFree- 1,815 users said "good advice"
- Free
- Feature Rich
- Editor's Choice
Video & Screenshots
Editor’s Review
- Track down unclaimed money in your name! Over $40 billion waiting for you to claim. Find out if any of it is yours
- Keep your identity safe. Spot potential ID theft with instant notifications when your information is involved in another company’s public data breach
- Dig into your credit profile and find out what goes into your credit score. Use Direct Dispute if you find any errors and resolve issues immediately
Reviewed by Laura S on December 12, 2017
Review Highlights
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helpful
in 27,169 reviewsLove this app!Very helpful to get your credit score up!
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easy to use
in 18,485 reviewsVery convenient, and easy to use
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informative
in 4,651 reviewsVery informative with great tips that can help you.
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great tool
in 4,152 reviewsGreat tool for doing just that given all the tools they have availale.
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good advice
in 1,815 reviewsGreat easy to use and is always up to date offering helpful tips and reminders!
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free credit score
in 654 reviewsThe only truly free credit score, plus a bunch of great tools! love u credit karma!
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97%
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97%
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96%
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94%
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6
NerdWallet: Credit Score, Budgeting & Finance
Master your credit score, track your cash and discover new ways to save money.
NerdWallet
100K+ FinanceFree- 96% positive reviews
- Free
- Feature Rich
- Fresh
- Editor's Choice
Video & Screenshots
Editor’s Review
- Wallet-friendly tips keep you on track for financial goals with number crunching suggestions that will save you money
- Multiple security features to protect your privacy:256-bit encryption, partnered with TransUnion, no sharing with third parties
- Instant clarity on spending & income for credit cards, checking, savings, investments & loans by simply linking all of your accounts
Reviewed by Laura S on December 11, 2017
Review Highlights
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helpful
in 78 reviewsEasy to use and very helpful! Love it!
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easy to use
in 52 reviewsInsightful and easy to use
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informative
in 20 reviewsVery informative and easy to use!
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0%
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Top Features
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97%
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95%
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95%
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92%
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90%
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88%
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86%
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82%
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80%
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8
LendingTree
Credit Score, Offers and Tips
LendingTree LLC
100K+ FinanceFree- 94% positive reviews
- Free
- Fresh
- Editor's Choice
Video & Screenshots
Editor’s Review
- Trusted by over 65 million Americans since 1996
- Money 24/7 gives you access to great deals on personal, business & student loans with just a few taps
- A simple and intuitive interface brings design, function and a great experience together to deliver accurate and up to date information
Reviewed by Laura S on December 11, 2017
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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
Video & Screenshots
Editor’s Review
- Intuitive & effective! Gives tailored advice on how to pay off the debt as quickly as possible
- All info in one place! The Credit Report gives a super clear overview of your financial situation
- Your personal financial guardian! The 24/7 credit monitoring notifies you as soon as it detects suspicious activity
Reviewed by Antonio on July 23, 2018
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