How can I improve a low credit score?

The fix isn’t instant—but it is totally doable.

If your credit score’s looking a little rough—don’t panic. You’re not stuck. While it won’t jump overnight, there are smart steps you can take to start turning things around.

Step One: Pay on Time, Every Time
Your payment history makes up the biggest chunk of your credit score. Even one late payment can ding you. Set reminders, automate bills—whatever helps you stay on track.

Step Two: Tackle Those Balances
Try to keep your credit card usage under 30% of your limit (lower is even better). Paying down balances shows lenders you’re using credit wisely.

Step Three: Hold Off on New Debt
Opening new accounts or taking on more debt can hurt more than help when you’re trying to improve your score. Focus on what you already have.

Step Four: Check for Errors
Mistakes happen. Review your credit reports for inaccuracies—and dispute anything that doesn’t look right. It’s free to check and could give your score a quick boost.

Your Fix-It Checklist:
1.    Pay bills on time.
2.    Lower your card balances.
3.    Pause on new applications.
4.    Review your credit reports.

Bottom Line:
Raising your score takes patience, but every smart move counts. And if you want help creating a plan—we’ve got your back, no judgment included.
Learn more or connect with us at veritasfcu.org.
 

C.U. Smarter: A financial education focus of Veritas Federal Credit Union, located at 276A Nissan Parkway in Canton