{"id":2307,"date":"2021-09-30T10:12:23","date_gmt":"2021-09-30T09:12:23","guid":{"rendered":"https:\/\/dollarhand.com\/?p=2307"},"modified":"2023-08-15T16:32:29","modified_gmt":"2023-08-15T15:32:29","slug":"how-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/dollarhand.com\/guides\/how-to-improve-your-credit-score\/","title":{"rendered":"How To Improve Your Credit Score"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It is hard to improve your credit score but it is possible. It does not happen overnight but making important changes can significantly help your chances of being approved for financial products including payday loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are many ways you can begin to build your credit score back up. In this article, Dollar Hand will run through some steps you can take to make concrete improvements to your credit score.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Key Points<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Your credit score can improve by paying off debts and credit cards on-time.<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>You can build up your credit score \u2013 working on it means it will go up.<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Paying off your debts and <a href=\"https:\/\/dollarhand.com\/guides\/can-a-payday-loan-build-up-my-credit-rating\/\">settling any significant loans is a good start to improving your credit score<\/a>.<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Things such as registering to vote can improve your credit score and it&#8217;s free!<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Close down any credit cards that you do not use.<\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Avoid making too many applications for loans quickly, since this can cause lenders to think you are a liability.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Why is Your Credit Score Important?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re submitting a form for a loan, mortgage, credit card or a mobile phone contract, your credit score is one of the most important things providers will take into account.\u00a0 <\/span><span style=\"font-weight: 400;\">A credit score gives an indication of how well you have paid other types of credit and financial obligations in the past.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A credit score is based on a numerical value, where the higher your score, the better your credit rating is \u2013 and this number is made up of multiple factors. Having a higher credit score will make you more likely to be approved for loans, credit cards etc&#8230;<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Are The Components Of A Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before diving into improvement strategies, it is essential to understand the factors that contribute to your credit score. The most commonly used credit scoring model considers 5 key components:<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>1) Payment History (35%): <\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Your track record of making on-time payments on credit accounts, including loans, credit cards and mortgages.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>2) Credit Utilization (30%):<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The ratio of your credit card balances to your credit limits. A lower utilization rate is generally better for your credit score.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>3) Length of Credit History (15%): <\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The length of time your credit accounts have been open. A longer credit history can have a positive impact on your score.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>4) Types of Credit in Use (10%):<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\"> The variety of credit accounts you have, including credit cards, installment loans and mortgages.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><strong>5) New Credit (10%): <\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The number of recently opened credit accounts and inquiries into your credit history. Opening multiple new accounts in a short period can <a href=\"https:\/\/dollarhand.com\/guides\/what-can-damage-your-credit-score\/\">damage your credit score<\/a>.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>How Do You Improve Your Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To improve your credit score, you need to show that you can make payments for things on time, such as your cell phone, credit cards and other loans. <\/span><span style=\"font-weight: 400;\">You automatically start with a zero credit score when you turn 18 and this will go up if you make payments on time, but every time you miss a payment on a credit card or loan and default, this will start to have a negative impact and make your credit score go down.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To improve your credit score you should start spending and get used to making payments on time. This is a good exercise to show that you can handle credit and paying on-time, regularly and for a long period, will build up your credit score nicely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have lots of existing debts, cards and loans, you need to find a way to pay them off. You could look at a larger debt consolidation loan or take time to come up with a plan to really pay each one off or get up to date with payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you make a budget and keep to it, so that you could be debt free in 3, 6 or 12 months, this could be a powerful solution to build up your credit score.\u00a0<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong><img decoding=\"async\" class=\"alignnone wp-image-5655\" src=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/improve-score-300x169.jpeg\" alt=\"improve-score\" width=\"450\" height=\"254\" srcset=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/improve-score-300x169.jpeg 300w, https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/improve-score-768x433.jpeg 768w, https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/improve-score-640x361.jpeg 640w, https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/improve-score.jpeg 900w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/strong><\/h2>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Join The Electoral Register\u00a0<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The electoral register is a record of your name and personal information that can improve your credit. Registering to vote creates an account of your name, address and date of birth that lenders can use to confirm your identity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This helps your chances of being approved by lenders and it instantly improves your credit score because it confirms your name, date of birth and address \u2013 and its free to do so! <\/span><a href=\"https:\/\/www.usa.gov\/register-to-vote\"><span style=\"font-weight: 400;\">You can register to vote here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Control Your Utilisation Rate<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A utilisation rate is a percentage which shows a lender how much credit you use compared to how much you are able to. This shows a lender that you&#8217;re not using credit irresponsibly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you have a credit card that allows you to borrow $1000 per month and you use it for $100, your utilisation rate would be 10%. Some credit rating agencies suggest that you keep your utilisation rate at around 30%. <\/span><span style=\"font-weight: 400;\">This shows that you\u2019re a responsible borrower who keeps up with repayments and can improve your credit score dramatically.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Close Down Any Unused Credit Cards<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Having too many credit cards does not look good on your credit score \u2013 since lenders think that you have access to a lot of cash and could use it at any point.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have access to a lot of credit but have a small salary it means that lenders will likely stay clear of you and your credit score could be negatively impacted. <\/span><span style=\"font-weight: 400;\">So if there are cards that you don\u2019t need, just pay them off or close them altogether.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-8385\" src=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/unused-credit-cards.png\" alt=\"unused-credit-cards\" width=\"450\" height=\"301\" srcset=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/unused-credit-cards.png 477w, https:\/\/dollarhand.com\/wp-content\/uploads\/2021\/09\/unused-credit-cards-300x201.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Avoid Applying for Too Many Loans In A Short Space Of Time<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you apply for lots of credit cards or loans in a short space of time, this could negatively impact your credit score.\u00a0<\/span><span style=\"font-weight: 400;\">This information will be recorded by a credit reference bureau and your credit score will be adjusted to reflect this risk to other lenders too.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dollar Hand can help. We are a loans connection service, so we will match your loan enquiry with the lender most likely to approve your application and offer you the best terms. <\/span><span style=\"font-weight: 400;\">More importantly, our checks do not affect your credit score, so you can <a href=\"https:\/\/dollarhand.com\/apply\/\">apply<\/a> as many times as you would like!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking to make immediate changes, implementing these methods is a great place to start but you\u2019ll have to be patient!\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: center;\"><strong>Final Thoughts<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>Building your credit score is an investment into your financial wellbeing. By understanding the factors that influence your score and implementing responsible financial habits, you can gradually enhance your creditworthiness and open doors to better borrowing terms, lower interest rates and improved financial stability.<\/p>\n<p>Whether you are trying to build your credit score from scratch or are repairing a less-than-perfect score, consistency, discipline and education are key. The journey to a better credit score is a marathon, not a sprint. By prioritizing timely payments, reducing credit card balances and diversifying your credit mix, you will be on the way to achieving a higher credit score and unlocking the benefits of a healthier financial future.<\/p>\n\n            <div id=\"daexthefu-container\"\n                 class=\"daexthefu-container daexthefu-layout-side-by-side daexthefu-alignment-left\"\n                 data-post-id=\"2307\">\n\n                <div class=\"daexthefu-feedback\">\n                    <div class=\"daexthefu-text\">\n                        <h3 class=\"daexthefu-title\">Was this article helpful?<\/h3>\n                    <\/div>\n                    <div class=\"daexthefu-buttons-container\">\n                        <div class=\"daexthefu-buttons\">\n\t\t\t\t\t\t    \n            <div class=\"daexthefu-yes daexthefu-button daexthefu-button-type-icon\" data-value=\"1\">\n\t\t\t\t\n                        <svg>\n                            <defs>\n                                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It does not happen overnight but making important changes can significantly help your chances of being approved for financial products including payday loans. There are many ways you can begin to build your credit score back up. In this article, Dollar Hand will [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_helpful_status":1,"footnotes":""},"categories":[5],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Improve Your Credit Score | Dollar Hand<\/title>\n<meta name=\"description\" content=\"Improving your credit score does not happen overnight but can be achieved by making important changes. 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