Great news! Your credit score isn't permanently stuck. With the right strategies, you can improve it significantly over the next 6-12 months.
Every action you take either helps or hurts your score - so let's make them all count!
Engagement Message
What’s the number one reason you want to improve your credit score?
Here's a game-changing tip: pay your credit card balances before your statement date, not just before the due date. This lowers the balance that gets reported to credit bureaus.
Even if you pay in full monthly, high reported balances still hurt your utilization ratio.
Engagement Message
Do you usually pay before the statement date, before the due date, or not sure?
Target keeping total credit utilization under 10% across all cards for excellent scores. If you have $5,000 total credit limits, keep balances under $500 combined.
For individual cards, never exceed 30% of any single card's limit even if your total utilization is low.
Engagement Message
Roughly what percentage of your total credit limit are you using now?
Consider requesting credit limit increases on existing cards. This instantly lowers your utilization ratio without changing your spending. Call every 6-12 months to request increases.
Higher limits also provide emergency flexibility while improving your score automatically.
Engagement Message
When did you last request a credit limit increase on any card?
Never close old credit cards, especially your oldest account! Keep them active with small purchases once every few months to prevent closure due to inactivity.
Length of credit history is 15% of your score, and closing accounts shortens your average account age.
Engagement Message
What's your strategy for keeping old cards active without overspending?
