Before making any changes, know where you stand. Federal law allows you to get a free report from each of the three major bureaus—Equifax, Experian, and TransUnion—every year at AnnualCreditReport.com.
Your "utilization ratio" is the amount of credit you’re using compared to your total limits. Keeping this low proves you aren't overextended. how to improve your credit score to buy a house
: Aim to keep your balances below 30% of your limit on every card. For a card with a $1,500 limit, stay under $450. Before making any changes, know where you stand
If you need a boost quickly, consider these expert-recommended tools: Before making any changes