{"id":4648,"date":"2021-05-05T12:52:25","date_gmt":"2021-05-05T12:52:25","guid":{"rendered":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/?page_id=4648"},"modified":"2021-05-20T13:19:21","modified_gmt":"2021-05-20T13:19:21","slug":"everyday-tips-to-improve-your-credit-score","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/everyday-tips-to-improve-your-credit-score\/","title":{"rendered":"Everyday Tips to Improve Your Credit Score"},"content":{"rendered":"\t\t
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Everyday Tips to Improve Your Credit Score<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Whether you like it or not, your credit score is important. Want a credit card?\u00a0Check your credit score. Want a mortgage? Check your credit score. Whatever way you look at it, your financial life is dictated by these three numbers. A good credit score is generally seen as being 670 or above. So, don\u2019t sit around wasting time if you\u2019re not there yet. Use our everyday tips to improve your credit score.<\/h4>
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Automate your payments<\/h4>

It\u2019s simple \u2013 don\u2019t miss your payments. You can make a standing order with your bank to make sure you\u2019re prompt with payments. Alternatively, set a monthly reminder on your phone if you want to manually make payments.<\/p>

Have a few lines of credit<\/h4>

When you have multiple open lines of credit \u2013 and they are being used correctly \u2013 credit agencies begin to take notice. It\u2019s a sign of trustworthiness and organisation. Two or three is the sweet spot.<\/p>

Use all your cards<\/h4>

Some people think the lower their credit card utilisation is, the better \u2013 they\u2019re wrong. Using your credit card is a vital part of proving your responsibility to credit agencies. Don\u2019t get yourself into debt making big payments, just make regular smaller payments \u2013 the kind of things you might normally make in cash or whack on your contactless debit card.<\/p>

Balance out your cards<\/h4>

Make sure that your credit cards are levelled-off at all times. If you have one card that is looking a bit low, top it off with another one. Managing your credits by switching balance from one card to another shows financial maturity.<\/p>

Pay off, don\u2019t close off<\/h4>

Around 15% of your credit score is decided by the length of your credit history. If you close your old accounts you can shorten the time and affect your credit score. So, pay them off, don\u2019t close them off.<\/p>

Take out a credit builder card<\/h4>

If you haven\u2019t had the opportunity to build up a credit score yet, or you\u2019ve got a less than perfect score, take out a credit builder card. These are real tests: they have low credits and high interest rates, so manage this right and you\u2019re onto a winner.<\/p>

Piggyback on someone\u2019s credit score<\/h4>

Adding yourself onto a credit account of someone with a good rating (with their permission!) is a great way of improving your credit score. It proves you are trustworthy with money. This is usually best to do with a partner or family member.<\/p>

Up your credit limits<\/h4>

Don\u2019t panic, we know this sounds crazy. This is actually a very effective way of lowering your credit utilisation and\u00a0improving your credit score<\/a>. Here\u2019s how it works: you use \u00a3300 each month on your credit card but have a limit of \u00a3600, your credit utilisation is 50%. If you increase your credit limit to \u00a3900, your credit utilisation drops to 30%. Just don\u2019t be tempted to splash out.<\/p>

The three numbers that make up your credit score have a massive effect on your life, so it pays to improve it as much as possible. We\u2019re sure that if you follow our credit score tips, you\u2019ll be on track to more approved financial applications, lower interest rates and a richer financial life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Everyday Tips to Improve Your Credit Score Whether you like it or not, your credit score is important. Want a credit card? Check your credit score. Want a mortgage? Check your credit score. Whatever way you look at it, your financial life is dictated by these three numbers. A good credit score is generally seen as […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4648","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nEveryday Tips To Improve Your Credit Score | Evolution Funding<\/title>\n<meta name=\"description\" content=\"Your credit score will impact on your ability to secure credit or car finance. 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