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Improving my credit score
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What credit score is often mentioned as the minimum "good" credit score?


Lenders could see anything below 650 as a risky bet.

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Key Takeaways

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Improving your credit has lots of benefits, from lower rates on loans to getting approved for a rental apartment. Here are a few things to keep in mind as you work to get, or keep, your credit where you want it to be.

  • Keep your debt-to-credit ratio as low as you can
  • Check your credit report for free every year with Equifax, Experian, or TransUnion
  • Contact a credit bureau to correct any mistakes in your report
  • Avoid negative marks on your credit report, such as late payments, bankruptcies, or unpaid tax liens—they could be there for 7–10 years
  • Catch up on any missed payments you might have, which could be lowering your score
  • After that, make sure you’re making payments on time—it’s one of the best ways to help avoid a low score