How I am improving my credit score

When I was younger, before marriage, I had really great credit! Enter marriage, my husband’s influence and life in general.

I admit, I should have listened to my own instincts regarding my credit. Instead, I listened to my husband because I trusted him that we could pay off my credit card balances. Then we bought a house on my credit and when the housing bubble hit, we had to leave our home and move east. We could not afford our home. For awhile, I did not have a credit card because I did not have a job. All that time, my credit score dropped and add a few delinquent credit cards and a foreclosure.

Now that I am working full time, I applied for a credit card several months ago. I use it for all of my purchases. I do not buy much, except weekly groceries and day to day small purchases that I make. I do not spend extravagantly, just when I really need to. I keep my balance low. I also make a payment on my credit card at least once a week or whenever I get paid. I am able to make a payment online, which makes it easier to check and maintain my balance.

I have had my credit card for a little over 6 months or so and I recently noticed that my credit limit was raised! When I log in to my account, I am also able to check my credit score and it is going up. I am currently rated as “good.”

Here are my tips to improving your credit score:
1. Apply for a credit card.
2. Keep a low balance
3. Pay your bills on time or even early
4. Watch your spending. Do not spend more than you can afford.


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About Admin

Stephanie is a wife and mom. She has been married for over twelve years and started blogging shortly after getting married. When not blogging at Beauty Brite, she can be found spending time with her husband and son, catching up on Netflix, or working out. Feel free to contact Stephanie for more information on how she can help your company.

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