{"id":1313,"date":"2019-12-06T19:51:56","date_gmt":"2019-12-06T19:51:56","guid":{"rendered":"https:\/\/www.lendnation.com\/5-ways-to-improve-your-credit-score\/"},"modified":"2025-07-30T17:40:34","modified_gmt":"2025-07-30T17:40:34","slug":"5-ways-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/5-ways-to-improve-your-credit-score\/","title":{"rendered":"5 Ways to Improve Your Credit Score"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2019-12-06T19:51:56+00:00\">December, 2019<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">5 Ways to Improve Your Credit Score<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"240\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/poorcredit_1000x500.jpg?w=480\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/poorcredit_1000x500.jpg 480w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/poorcredit_1000x500.jpg?resize=300,150 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>Do you know all the ways having a low credit score can impact you? Sure, most of us know that it can make loans more difficult to get, cause our interest rates to increase, and maybe even stop us from moving into a new apartment.<\/p>\n\n\n\n<p>What else can a low credit score do? It can&nbsp;<a href=\"https:\/\/www.thebalance.com\/side-effects-of-bad-credit-960383\" target=\"_blank\" rel=\"noopener\">increase the down payment<\/a>&nbsp;for your monthly utilities. A low score can prevent you from getting a cell phone contract &#8211; or worse, getting a job. It can even make your car insurance higher, regardless of any claims.<\/p>\n\n\n\n<p>Improving your <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/credit-score\/\">credit score <\/a>will improve your life in so many unseen ways. And improvement starts with education. Who controls your credit score? What does your score mean? How can you increase it? Start on the path to better credit with us as we jump into the world of credit scores in the United States.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-your-credit-score-the-managers-of-credit-scores\">Understanding Your Credit Score<strong><br><span style=\"font-size: 16px;\">The Managers of Credit Scores<\/span><\/strong><\/h2>\n\n\n\n<p><strong><\/strong>In the United States, there are three credit bureaus:&nbsp;<a href=\"https:\/\/www.experian.com\/\" target=\"_blank\" rel=\"noopener\">Experian<\/a>,&nbsp;<a href=\"https:\/\/www.transunion.com\/\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a>, and&nbsp;<a href=\"https:\/\/www.equifax.com\/personal\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a>. Here\u2019s where it gets a little muddy: Experian uses only FICO\u00ae scoring, whereas TransUnion and Equifax use both FICO another more recent type of scoring called&nbsp;<a href=\"https:\/\/www.creditsesame.com\/blog\/credit\/credit-bureau-guide-what-the-differences-are-between-equifax-transunion-experian\/\" target=\"_blank\" rel=\"noopener\">VantageScore<\/a>. Even more confusing? Your credit score may not be the same between the three credit bureaus. When shopping for a loan, it\u2019s important to check all three scores prior, so you have a clear idea of your different scores no matter what bureau the lender uses.<\/p>\n\n\n\n<p>The most widely used scoring system by lenders is the FICO score; in fact,&nbsp;<a href=\"http:\/\/www.fico.com\/25years\/\" target=\"_blank\" rel=\"noopener\">90 percent<\/a>&nbsp;of all lending decisions in the US rely on FICO scores. While it\u2019s not well-known how the scores are calculated, aspects like your race, gender, job, and zip code don\u2019t factor in.<\/p>\n\n\n\n<p>Through these credit bureaus, you have access to a free credit report each year &#8211; but not your credit score. Your credit report is a document that holds information about your financial history, like bank accounts, loans, credit cards, and collections accounts. Here\u2019s where you can get&nbsp;<a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noopener\">your free credit report<\/a>.<\/p>\n\n\n\n<p>To check your credit score, you can sign up for \u201cfree\u201d score tracking with companies like&nbsp;<a href=\"https:\/\/www.creditkarma.com\/auth\/logon\/\" target=\"_blank\" rel=\"noopener\">Credit Karma<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.creditsesame.com\/\" target=\"_blank\" rel=\"noopener\">Credit Sesame<\/a>&nbsp;&#8211; along with half a dozen others &#8211; but it may not reflect your true FICO score. In order to get that, you have to pay a fee.<strong><br><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-different-credit-scores-mean\">What Different Credit Scores Mean<\/h3>\n\n\n\n<p><strong><\/strong>Those three little numbers in your credit score can have a big impact on your quality of life. If they\u2019re above a certain threshold, the world is your oyster. Below a certain level? Things can get tough.<\/p>\n\n\n\n<p>For simplicity\u2019s sake, we\u2019ll look at the FICO scoring system. FICO scores have&nbsp;<a href=\"https:\/\/blog.myfico.com\/whats-a-good-credit-score-range\/\" target=\"_blank\" rel=\"noopener\">two different groups<\/a>&nbsp;of scores, one being the Base FICO score and one being industry-specific (auto and credit cards) scores. Base scores range from 300 &#8211; 850 while industry-specific goes from 250 to 900 &#8211; with the&nbsp;<a href=\"http:\/\/www.governing.com\/gov-data\/economy-finance\/average-credit-score-by-state.html\" target=\"_blank\" rel=\"noopener\">average American<\/a>&nbsp;holding a base score of 687. Let\u2019s look at the base FICO score ranges.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-exceptional-800\"><strong>Exceptional (800+)<\/strong><\/h4>\n\n\n\n<p>With a credit score this high, you\u2019ve probably had close to zero late payments, all of your balances are paid in full, and you enjoy a low credit utilization. You get fast loan approvals, the lowest interest rates, plenty of credit limits, and get every benefit credit cards have to offer. The likelihood you\u2019ll be delinquent is only about 1 percent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-very-good-740-799\"><strong>Very Good (740 &#8211; 799)<\/strong><\/h4>\n\n\n\n<p>While not a straight-A student, you\u2019re still getting plenty of A\u2019s with this credit score. Great rates and approvals aren\u2019t really a problem. You make most of your payments on time and keep your credit utilization low. Only about 2 percent&nbsp;of people in this group may become delinquent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-good-670-739\"><strong>Good (670 &#8211; 739)<\/strong><\/h4>\n\n\n\n<p>While you\u2019re still acceptable at this level &#8211; and fall into the \u201caverage\u201d range &#8211; you may not get as low of an interest rate as the higher scores. You most likely won\u2019t struggle with getting approved for a credit card or loan, though &#8211; you\u2019ll just pay more to get it. Only about 8 percentare likely to become delinquent in this group.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fair-580-669\"><strong>Fair (580-669)<\/strong><\/h4>\n\n\n\n<p>If you fall into this range, you\u2019re aware of the struggle. Getting approval can be tough and if it does come, it\u2019s at a high cost. You won\u2019t get access to a lot of credit cards with perks, either. That\u2019s largely because almost 30 percent&nbsp;of consumers in this group are likely to become delinquent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-poor-579-and-lower\"><strong>Poor (579 and lower)<\/strong><\/h4>\n\n\n\n<p>Without a deposit or paying a high fee, you may not be able to open a credit card or even begin service for home utilities. Getting loan approval is almost impossible. The main reason? Over 60 percent&nbsp;of people with this credit card may become delinquent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-improve-your-credit-score\">How to Improve Your Credit Score<\/h3>\n\n\n\n<p>If your credit score falls into one of the lower score ranges &#8211; don\u2019t stress! There are five ways you can start increasing your credit score, plus a few tips for maintaining it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-pay-attention-to-your-payments\"><strong>Pay Attention to Your Payments  <\/strong><\/h4>\n\n\n\n<p>Paying your bills on time, getting current with missed payments, and paying off collections all have a big impact on your score. Payment history makes up&nbsp;<a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/improve-your-credit-score\" target=\"_blank\" rel=\"noopener\">35 percent<\/a>&nbsp;of your FICO score calculation, meaning it\u2019s the most impactful factor. Making payments can be difficult and sometimes calls for some financial creativity. One option is to&nbsp;<a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">get a payday loan<\/a>&nbsp;or cash advance to help you bridge the gap between paychecks and avoid a late payment.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-keep-your-credit-utilization-low\"><strong>Keep Your Credit Utilization Low <\/strong><\/h4>\n\n\n\n<p>In close second for impact on your score is the amount you owe &#8211; contributing to 30 percentof your score calculation. Keeping balances low on credit cards, paying off debt rather than moving it around, and the amount of credit cards you have open can all make or break your credit score. Keep your <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/credit-utilization\/\">credit utilization<\/a> at or below 30 percent; simply put, if you have a $2,000 limit on a credit card, keep your balance below $600. Also, don\u2019t open new cards just to increase your available credit because that could actually end up lowering your score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-closely-manage-your-accounts\"><strong>Closely Manage Your Accounts<\/strong> <\/h4>\n\n\n\n<p>Closing an account doesn\u2019t make it go away and may be considered in your score. In fact, keeping accounts open may have a positive impact on your score because it lends to the length of your credit history, which makes up about&nbsp;<a href=\"https:\/\/www.creditsesame.com\/blog\/credit\/credit-bureau-guide-what-the-differences-are-between-equifax-transunion-experian\/\" target=\"_blank\" rel=\"noopener\">15 percent<\/a>&nbsp;of your score calculation. When considering a new account, try to avoid hits to your score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fix-errors-on-your-credit-report\"><strong>Fix Errors on Your Credit Report <\/strong><\/h4>\n\n\n\n<p>Mistakes are just a part of being human but if those mistakes are on your credit report, it\u2019s not something to shrug your shoulders at. In a study done by the Federal Trade Commission (FTC),&nbsp;<a href=\"https:\/\/www.myfico.com\/credit-education\/credit-reports\/fixing-errors\" target=\"_blank\" rel=\"noopener\">26 percent<\/a>&nbsp;of people found an error on their report that made them appear riskier to lenders; that amounts to about one in four people. Request your credit report and go through it line by line to identify any potential errors, then&nbsp;<a href=\"https:\/\/www.myfico.com\/credit-education\/credit-reports\/fixing-errors\" target=\"_blank\" rel=\"noopener\">follow these steps<\/a>&nbsp;to begin the dispute process.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rate-shop-quickly\"><strong>Rate Shop Quickly <\/strong><\/h4>\n\n\n\n<p><strong><\/strong>When shopping for a loan, it\u2019s smart to shop around. But each time you apply for a loan &#8211; even pre-approval &#8211; your credit score is being checked. If you time it wisely, you\u2019ll finish your shopping&nbsp;<a href=\"https:\/\/www.bankrate.com\/finance\/debt\/7-simple-ways-improve-credit-score-1.aspx\" target=\"_blank\" rel=\"noopener\">within two weeks<\/a>. Longer than that and the inquiries will come back as multiple inquiries instead of just getting lumped into one inquiry &#8211; with each deducting points from your score. If you fall into the Fair score category, these points may be just enough to knock you down to a Poor score.<\/p>\n\n\n\n<p>\nIt\u2019s important to understand that you score is not going to increase overnight. It takes time to build those points, through responsible payments, credit utilization, and diligence. But it is worth it. As you go about your credit-improvement journey,&nbsp;<a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">LendNation<\/a>&nbsp;is here to support you with a title loan, installment loan, or payday loan online or in-store next time you need cash.<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query 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href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s possible to improve your credit score. Read this blog to learn five of the ways on how to improve your credit score.<\/p>\n","protected":false},"author":18,"featured_media":1314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[42],"class_list":["post-1313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-cash-advance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Ways to Improve Your Credit Score - LendNation<\/title>\n<meta name=\"description\" content=\"It\u2019s possible to improve your credit score. 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