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Call 504-239-8437 Email UsHere are three powerful tips to raise your score:
1. Pay On Time, Every Time
Payment history makes up the biggest chunk of your credit score. Even one late payment can hurt. Set up autopay or reminders to never miss a due date.
2. Keep Credit Utilization Low
Using too much of your available credit can drag your score down. Aim to use less than 30% of your total credit card limit—under 10% is even better. Paying down balances or requesting a credit limit increase can help.
3. Diversify Your Credit
Having a mix of credit—like a credit card and a personal loan—shows lenders you can handle different types of debt. Also, check your credit report regularly to dispute errors that could unfairly lower your score.
With consistency and discipline, these simple steps can turn your credit into one of your greatest financial strengths.