What Is Your Goal?
In many different areas of our life, we tend to have many numbers that we strive to achieve. In high school and college, that number may be a certain G.P.A., in sports, it may be that perfect 10 score, we also may be striving for a certain number in our bank account.
As adults, one of the most influential numbers that we need to strive for is that perfect 850 credit score. That is not a number or score we get by studying and passing the test. It is a complex number that has many outside influences.
Steps you can take to help you achieve the credit score you desire
Stay On Budget
Create and follow a budget
Never Be Late
Always pay your bills on time
Lower Your Usage
Keep your utilization ratio under 30%
Diversification
Having different types of credit accounts will raise your score
Longevity Matters
Long term accounts raise your score
Don’t Over-apply
Minimize the number of hard inquiries