how to raise your fico credit score

How To Raise Your FICO Credit Score

Wondering how to raise your FICO credit score? It’s not as hard as you might think! Check out these tips on how you can increase your credit score (and what not to do)! And, if you want to raise your score instantly, sign up for Experian Boost here!

As a former loan officer turned SAHM, I have been very passionate about helping others manage their finances and finding ways to save money.  That’s why I want to share why your credit score is so important! When I was 18, I didn’t know any better. My friends and I would go shopping and literally apply for credit cards at every store we went to. My parents would have killed me had they known that’s what I did. And let me tell you, I paid for it 10 years later! Not a smart choice.

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No matter what your current financial situation is, credit is critical in today’s world.  Even if you have a 700 credit score, you still need to be vigil in maintaining your fab score (check your score with Experian for FREE here or CreditKarma.com).  The FTC (Federal Trade Commission) estimates as many as 9 million Americans have their identity stolen each year.  In fact, I’ve had mine stolen. Didn’t matter that I worked in banking for 10 years, and knew (well, thought I knew) all the steps to take to prevent it from happening.  I had alerts set up to email me whenever something on my report changed, but even with that, it was too late. And it happened while I was visiting family out of state during Christmas.  I was sick to my stomach, let me tell you.  Thankfully though, the alerts notified me, and I was able to clear everything up within about 3-4 months.  That was a lot of paperwork and phone calls, and time.  Who knows if they ever caught the people.  I sure hope so.

The FTC has numerous resources on their site regarding credit.  You can read several featured publications regarding identity theft here, and read about how to be responsible with your credit here.  And, as you may already know, if you are a military family, or in the military yourself, credit is even more important, as it can get you into a lot of hot water with your unit if you don’t manage it right!

how to raise your fico credit score

Do you know what your credit report and score looks like?  I highly suggest you check it out at Experian.com here! And be sure to sign up for Experian Boost  too so you can instantly raise your credit score – some people have seen their scores go up as much as 30 points immediately!

photo attribution:
morganka / 123RF Stock Photo

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