1. Get a Handle on Your Bill Payments
Organizing your bill payments so that you make every payment on time is one of the best ways to increase your score, as payment history makes up the most significant percentage of your credit score.
Your credit utilization ratio refers to the portion of your credit limit that you're using at any given point in time. One way to keep your credit utilization in check is to pay your credit card balance in full at the end of every month.
3. Consider Debt Consolidation
If you have various debt sources that need repaying, consider consolidating them all into one payment with a debt consolidation loan.
The Best Way to Check Your Score
Knowing “what is a good credit score” is essential, but it's no use unless you know what your current score is. To start, you can go to one of three major credit bureaus to check your credit report for free. Your credit report provides a history of your financial activity.
Why Your Credit Score Changed
If you've been consistently tracking your credit score over time, you may notice it fluctuate occasionally. Fluctuations in your credit are bound to happen, and as long as you keep making payments on time, your score should recover.