Tiny habits that may help your credit

Best way to stay on track with your financial goals? Turn one-time decisions into your new normal to help improve your credit score. Consistency wins the game. Copy and paste these habits to your 2026 financial journey.

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Stay ahead of the game

Imagine this: you sign up for credit monitoring and receive alerts for important changes in your credit report. You’ll be able to catch any major changes, like a hard inquiry, new account or late payments. Fewer surprises, more security and a habit that’s worth keeping.

You can access free, weekly credit reports from the three major bureaus at AnnualCreditReport.com.

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Payments on-time, every time

With payment history driving 35% of your credit score, on-time payment is the habit that moves the needle the most. Let calendar reminders and AutoPay take over the logistics, so you never miss a beat. Future you will thank you every month.

Try this: Pick a day each week or month to look over your finances. Any extra cash? Put it toward your debt. It’s a small move that may help your credit.

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Master your credit usage

Lowering how much of your available credit you use doesn’t require a big hassle. A quick, monthly check-in keeps your balances from creeping up. Add balance notifications for backup, and you’ve got an effortless system that keeps things on track. One tiny habit, smoother credit maintenance.

Start small, stay steady and let these habits guide you into a more confident financial future. Credit progress doesn’t have to be hard – it just has to be consistent!

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_{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.}