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1. Pay Off Your Balances In Full Each Time
You know that feeling when payday hits and suddenly you’re Jeff Bezos for like five minutes?
Yeah, that’s exactly when most people mess up.
They swipe their cards like they’re on a game show, forgetting that those balances add up faster than Miami traffic after 5 PM.
But here’s the thing. Paying off your balances in full each month is the quiet superpower of people rocking 800+ credit scores.
It’s not about showing the bank how much you can borrow. It’s about showing them how responsibly you handle what you borrow.
👉 Here's How You'll Do It: Set up automatic full balance payments through your card’s mobile app so you never “forget” again. FYI, most banks let you do it in seconds.
📌 SAVE IT FOR LATER! 📌
2. Pay Bills Consistently Every Month
Consistency is sexy. Especially when it comes to your credit score.
Missing one tiny payment can haunt your credit like that ex who still watches all your stories.
The trick is simple: pay everything on time, every time.
Rent, phone, utilities. Even your Netflix subscription, if it’s linked to a card.
Because, IMO, nothing screams “financial adulting” like paying your bills before the reminder email shows up.
👉 Here's How You'll Do It: Use a free budgeting app like Rocket Money to track all your due dates and automate payments so you stay spotless.
3. Keep Your Accounts Active And Healthy
You might think closing that old store card you haven’t used in years is cleaning things up. But nope, it’s like cutting off part of your credit history.
Your credit age matters more than you think.
The longer you’ve had an account open (and in good standing), the better you look to lenders.
So keep your accounts alive, even if you just buy a $5 pack of gum every few months.
It’s like keeping an old friendship alive with a random “how you been?” text.
👉 Here's How You'll Do It: Use each card once every few months and pay it off right away. Even a small charge keeps it active and happy.
Bonus Tip: Stay on Top of Your Credit Score
You know that feeling when you think your credit’s fine, then one random drop ruins your whole week?
Yeah, it’s like checking your weight after a weekend barbecue. Pure emotional damage.
That’s why keeping tabs on your credit report isn’t just smart. It’s self-care for your financial sanity.
The trick is finding a way to track your score without dealing with confusing reports or shady apps.
That’s where Credit Karma makes life easier. You can check your credit score anytime, for free, with zero hard inquiries (and FYI, over 100 million people already use it).
👉 Here's How You'll Do It: Sign up for Credit Karma’s free account to instantly see your score, spot changes early, and get personalized tips to boost your credit even faster.
4. Avoid Unnecessary Hard Checks
Have you ever applied for something online “just to see if you qualify,” and your score drops like it saw a ghost?
That’s a hard inquiry. And too many of them can make lenders think you’re desperate for credit.
Keep it cool, use soft checks when possible, and apply only when it actually makes sense.
Credit scores love people who play hard to get.
Because, honestly, if you’re applying everywhere, you look more “financially thirsty” than confident.
👉 Here's How You'll Do It: Check your score with a free service like Credit Karma instead of applying for random cards. It uses soft checks only.
5. Watch For Mistakes On Your Credit Report
Errors happen.
Sometimes a company forgets to update your payment or mixes your account with someone else’s (yep, it happens more than you think).
Those little mistakes can drag your score down for no good reason.
You’ve worked too hard to let a typo ruin your 800-club dreams.
So check your credit report like you check your selfie before posting.
👉 Here's How You'll Do It: Get your free credit report every year at AnnualCreditReport.com and dispute any weird stuff right away. It’s easy and free.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
