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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
- 49.1MB
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
Free- 77 users said "good information"
- 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 983 reviewsAlso the dark web scan and updates when my scores change. Very very helpful and useful!!
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easy to use
in 914 reviewsIt is easy to use and gives me a quick overview of my credit status whenever I need it
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informative
in 218 reviewseasy to use and super informative with details to help me figure out what everything is.
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great tool
in 147 reviewsReally it helps me know what to do to help my score too. Great tool, thanks Experian!!!
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good information
in 77 reviewsI appreciate all the good information And it helps me understand my credit better.
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accurate app
in 54 reviewsExperian has given me peace of mind by being the most accurate app I've used thus far
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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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89%
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88%
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87%
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82%
-
79%
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79%
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79%
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2
CreditWise from Capital One
CreditWise from Capital One - Free credit score and monitoring
Capital One Services, LLC
Free- 111 users said "good information"
- Free
- Feature Rich
- Fresh
Video & Screenshots
Review Highlights
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helpful
in 1,713 reviewsHIGHLY RECOMMEND. Very helpful in keeping track of your credit score and card balances
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easy to use
in 1,005 reviewsI guess it helped me find a goal and go for it!! So easy to use and simple to understand
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informative
in 329 reviewsVery informative and simple to use. Able to keep track of credit score and so much more.
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great tool
in 192 reviewsThis app really is a great tool to monitor your credit. I especially like the simulator
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good information
in 111 reviewsEasy to use. Good information and advice to help increase your credit rating.
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free service
in 66 reviewsIt has been a good App so far & w free service its even better : )
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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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90%
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85%
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85%
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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
Free- 14 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 121 reviewsAlso has helpful tips and credit card options. Great app and highly recommended!
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easy to use
in 82 reviewsEasy to use- this app simplifies keeping track of your credit and shows you your score
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informative
in 31 reviewsI love this app it's very informative. It helps me stay on track . Thank you wallet hub
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good information
in 14 reviewsVery helpful and loads of good information to follow.
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daily updates
in 14 reviewsAwesome app, I love the daily updates!
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0%
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0%
Top Features
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85%
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83%
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69%
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4
Credit Sesame
Achieve your financial goals. Free credit score, report card, and action plan.
Credit Sesame, Inc.
Free- 82 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 881 reviewsEasy to use and understand very helpful. Answered many questions I had in under 5 minutes
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easy to use
in 430 reviewsHas a detailed breakdown of your credit and everything that affects it. Very easy to use
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informative
in 158 reviewsclean interface, user friendly, informative, its amazing, I highly recommend this app
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great tool
in 108 reviewsThis is a great tool! I pay for reports (and scores) once a month, and have zero regrets
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good tips
in 82 reviewsgreat app 👍 gives you really good tips and really helps you build your credi
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free credit score
in 18 reviewsFree credit score and monitoring. How you can beat that
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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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93%
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93%
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91%
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89%
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87%
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85%
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83%
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83%
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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.
Free- 1,941 users said "good advice"
- Free
- Feature Rich
- Fresh
- 1M+ Reviews
- 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 28,909 reviewsAbsolutely critical tool in rebuilding your credit. Easy to use and the tips are helpful
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easy to use
in 19,540 reviewsThis app is Amazing! Easy to use and a great tool for keeping track of your credit score
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informative
in 5,040 reviewsLove how it's informative, easy to navigate and gives advice on how to build your credit
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great tool
in 4,442 reviewsGreat tool that i have been using for years to monitor what is going on with my credit
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good advice
in 1,941 reviewsThe app also provides some good advice you can use to help build or repair your credit
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free credit score
in 657 reviewsSo simple to use and always provides a free credit score without asking for credit info
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0%
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0%
Top Features
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95%
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94%
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93%
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91%
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6
NerdWallet: Credit Score, Budgeting & Finance
Check credit score, manage your personal finance with this free budgeting app
NerdWallet
Free- 13 users said "great info"
- 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 84 reviewsThe app is great for monitoring and managing your credit score. The articles are helpful.
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easy to use
in 56 reviewsGreat app. Gives me the best breakdown of all my accounts and is so easy to use
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informative
in 26 reviewsThe Nerd Wallet app is informative and user friendly !! Thanks !! I enjoy it.
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great info
in 13 reviewsGreat info on repairing and maintaining your credit worthiness!
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0%
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0%
Top Features
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95%
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92%
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92%
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91%
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90%
-
86%
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86%
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82%
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67%
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8
LendingTree
Credit Score, Offers and Tips
LendingTree LLC
Free- 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
Free- 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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