How can I improve my credit?

Setting a goal to achieve and maintain good credit is one of the smartest financial steps you can take. A strong credit score can open doors to better loan rates, higher credit limits, and greater financial flexibility.

Three Key Steps to Improve Your Credit

1. Pay all bills on time and in full

   Your payment history is the single most important factor in your credit score. Even one missed payment can hurt your credit, so staying consistent is key.

2. Keep your credit card balances below 30% of the limit

   This is known as your credit utilization ratio. Lower utilization signals to lenders that you're managing credit responsibly.

3. Start using credit if you haven’t already

   If you don’t yet have a credit card, consider applying for one. Use it for small, manageable purchases and pay off the balance in full each month to build a positive credit history.

Here's a guide we wrote on how to improve your credit score that might be helpful.