How to Get a Better Credit Score

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If you’ve asked for information on, “How to boost my credit score,” the Principle INFINITI of Boerne finance department is here to help. Even San Antonio drivers with decent credit scores can benefit from following these ways to raise credit scores, which can lead to better interest rates. Take a look at our tips to increase the credit score.

How to Get a Better Credit Score: Check Your Credit Score

While it is possible to get auto financing with bad credit, you’ll get a better interest rate if you know how to boost my credit score. One of the easiest ways to raise credit score is to make sure your credit score is accurate. Mistakes do get made, which is why New Braunfels drivers should obtain a copy of their credit report and dispute any errors.

How to Get a Better Credit Score: Know Your Debts

The next step in how to get a better credit score in San Marcos is to make a list of all your debts. Two debt-related factors will affect your credit score:

  • Your debt to credit ratio is your available credit vs. how much you’ve charged on your credit card. Try to keep your credit card charges under 30% of your available balance from month to month.
  • The more balances you have on different credit cards, the lower your score will be. Limiting the number of credit cards you have with a balance is one of the ways to raise your credit score.

How to Get a Better Credit Score: Make a Payment Plan

As far as tips to raise your credit score go, the easiest way is to make a payment plan and stick to it. Consistent repayments add up to increase your credit score. More tips to raise your credit score by making payments include:

  • Give priority to debts that are in collections.
  • Don’t miss scheduled payments.
  • If you can’t make a scheduled payment, contact your creditor and discuss a payment plan.
  • Pay off small credit card balances.
  • Don’t apply for more credit accounts.

How to Get a Better Credit Score: Open a Credit Card

Are you asking, “How to boost my credit score?” and thinking this seems counterintuitive? It is, unless you have a low credit score because you’ve never had a credit card or loan. Opening a credit card will allow you to build credit, as long as you use it responsibly and make your payments on time.

Get Tips to Increase Credit Score and More at Principle INFINITI of Boerne!

Whether you want know how to get a better credit score, or other car-buying tips, Principle INFINITI of Boerne is here to help! Contact our finance department with any questions about how to boost my credit score.

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