How to Use This Guide

Whether you have a perfect credit score or just declared bankruptcy, there is something in this guide for you.

We’ve read through thousands of pages of fine print on how the credit bureaus calculate your score to bring you the ten best ways to improve your credit rating.

We have ordered each step from easiest to hardest so everyone can get started making a dent in their debt and working towards a better financial future.

Just like overdue debt can lead to a snowball effect of spiraling interest costs, small decreases in what you owe and small increases in your credit score can make a big financial difference in your life.

If you have a score under 650, start at #1 and work your way up to #10 over time.


Easier Ways to Improve Your Credit Score

1. Check your credit report and make sure there are not any errors. Get a free report at
2. Spend at least $10 on one card each month and pay it off in full.
3. Don’t open more than 1 new card a year.
4. Pay at least the minimum balance every month.
5. Pay off the minimum balance plus as much extra as you possibly can (As long as you have enough cash to make the minimum payment the following month).
6. Make sure you never borrow more money than you can realistically pay back in 60 days.
7. Make sure your credit limit is not much more than 4x what you spend in a month.

Harder Ways to Increase Your Credit Score

8. Never spend more than 30% of your total credit limit in a month.
9. If you can’t pay back the money in the next 30 days DONT SPEND IT!
10. Pay off your entire credit card balance every month.


If you are regularly following step #9 and #10 you have truly figured out how to turn the credit card system to your advantage.

Credit cards should really be a way for you to earn free rewards points, not an expensive source of debt. If you think of credit cards this way you will have truly achieved financial freedom.

About Author

The opinions provided in this article are those of the author and do not constitute investment advice. Readers should assume that the author and/or employees of Grizzle hold positions in the company or companies mentioned in the article. For more information, please see our Content Disclaimer.