#30DaysofThreads How to Boost your credit score 🙌🏽🏌🏼‍♀️ 1. On time payments ,pay on time , don’t be late 😂 payment history makes up 35% of your score that’s the #1 thing lenders wanna know are u gonna pay on time 🤷🏽‍♀️ late payments can knock your score down 30-100 points 🥵

2. Credit Utilization pay down on your (revolving debit) credit cards really ehhh 7%-10% .. 30% kinda pushing it if you ask me .. you can boost your scores tremendously just by paying credit cards down & if you don’t have one YOU NEED ONE at least a secured card 💳

3. Open a self lender account .. credit builder loan .. it’s an installment loan you pay over time payments range from $25-$150 monthly and every time you make a payment it reports to the credit bureaus HELPS WITH YOUR CREDIT MIX 🥣😊

4. STOP 🛑✋🏾 closing old accounts , just use it at minimum .. closing accounts effects your length of credit history, let’s lenders know you ain’t new to this 🙃

Become an authorized user on someone else’s account who has good credit history

Clean up 🧹🧽🧼 your personal info on your credit report believe it or not all that really matters .. old addresses, employers, misspelled names, incorrect socials are linked to accounts DELETE ALLAT 😅

Remove/Dispute negative, outdated things on your credit report NO NOT ONLINE ! NEVER DISPUTE ONLINE .. dispute in writing ✍🏾👩🏼‍💻 the FCRA states all info must be accurate, complete , & verifiable. THE FCRA protects your rights USE IT TO YOUR ADVANTAGE 😉