Boost your credit confidence

Your credit score not looking great? No worries, we’ve all been there. Good news: a few smart steps can give it a boost and unlock sweet financial perks. Ready to turn things around? Let’s dive in!

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Make on-time payments your superpower

This one’s a biggie. Your payment history makes up 35% of your credit score, so paying your bills on time, every time, is crucial. Think of it as an easy win each month.

Pro tip: Set up autopay or add calendar reminders. Simplify your life and avoid big headaches down the road.

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Keep your credit utilization in check

Ever heard of credit utilization? It’s the percentage of your available credit you’re using. Lenders get nervous when you max out your cards. Aim to keep your usage below 30%* to show lenders you can manage your credit responsibly without overdoing it.‍

Pro tip: Lenders also love to see payment history, so keep old credit accounts open. A long credit history shows you’re reliable, which can give your score a nice little bump.

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Establish good habits

Staying consistent with these habits pays off – literally! When lenders see you’re a pro at managing your finances, they’re more likely to offer you great benefits. Consistently paying on time and keeping your credit usage low may lead to:‍

• Lower interest rates on loans and credit cards
• Easier approvals for mortgages and car loans
• Better credit card limits & rewards (hello, travel points!)

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Building good credit is a marathon, not a sprint. But by taking these simple steps, you’re not just rebuilding a number – you’re setting yourself up for long-term financial success.

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* ^{Source: Experian, “What Is a Credit Utilization Rate?”}

_{Exeter Finance LLC is not a credit repair agency or licensed credit counselor. Exeter does not offer services to fix or improve credit scores. These tips are intended for general educational purposes and should not be construed as legal, financial, or credit repair advice.}