our credit score plays a crucial role in determining the terms and interest rates you receive on loans. A higher credit score can help you secure better terms, making it essential to improve and maintain your credit before applying for any loan. Here are key strategies to enhance your credit score and improve your chances of getting favourable loan terms.
1. Pay Your Bills on Time
One of the most critical factors influencing your credit score is your payment history. Ensure that you pay all your bills—credit cards, loans, utilities—on time. Late payments can significantly hurt your credit score, making it harder to get good loan terms.
2. Reduce Your Credit Utilisation
Credit utilisation refers to how much of your available credit you are using. Ideally, you should aim to use less than 30% of your total credit limit. Paying down your credit card balances and keeping your usage low can help improve your credit score over time.
3. Check for Errors on Your Credit Report
Sometimes, errors on your credit report can drag down your score. It’s essential to review your credit report regularly and dispute any inaccuracies you find. Correcting errors can give your score an immediate boost.
4. Avoid Opening Too Many New Credit Accounts
Each time you apply for credit, it generates a “hard inquiry” on your report, which can temporarily lower your score. Try to avoid opening multiple new credit accounts in a short period, as this can signal to lenders that you’re a higher risk.
5. Keep Old Accounts Open
The length of your credit history also impacts your score. Even if you’re not using an old credit card, keeping the account open can benefit your credit by increasing your average account age.
Want more tips on improving your credit? Subscribe below for expert advice and stay financially informed.
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