2020 wrecked a lot of credit scores. Here are some great tips that can help you improve your score all on your own...
1. Start by getting a copy of your full credit report from Experian, TransUnion, and Equifax. You can get them for free once a year at AnnualCreditReport.com. (I did it this morning and went through my report)
2. Comb your reports for errors. That includes everything from spelling mistakes to outstanding debts you're not aware of. Then dispute any issues with the credit bureaus.
3. Make a budget and stick to it. Easier said than done, but it's tough to improve your credit when you're not doing that one.
4. Try to pay bills on time. Paying the minimum is better than paying late. And if you're behind on anything, get caught up as quick as you can. On-time payments are the single most important factor to your credit score.
5. Prioritize paying down your credit cards first. They tend to have the highest interest rates. But once you pay them down, don't cancel them. Your debt ratio and having credit available ups your credit score.
6. Don't apply for a bunch of new credit cards. Every time you do, it's listed as a "hard inquiry." And if you have too many within two years, your credit score drops.