3 simple steps to improve your credit score this year (via CNBCMakeIt)
One of the biggest factors in your credit score — accounting for— is your credit utilization rate. That's the percentage of your line of credit that you are using. For example, if you have $10,000 in available credit and you put $5,000 worth of purchases on your credit card this month, that represents a credit utilization rate of 50%.
At the same time, avoid closing any credit cards that you aren't using. This will lower your credit limit and increase your utilization rate. If a rarely used card has an annual fee, call the issuer and ask to be downgraded to a free card instead.While one missed payment can quickly tank your score, it takes slightly longer than that to fix it. That's why it's important to pick up positive habits as early as you can and stay consistent with them throughout the year.
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