How to Improve Your Credit Score in the USA (Step-by-Step Guide)
A good credit score is essential in the United States. It affects loans, credit cards, housing, and even jobs.
What Is a Credit Score?
A credit score is a number that represents your creditworthiness. Scores usually range from 300 to 850.
Factors That Affect Credit Score
Payment history
Credit utilization
Length of credit history
Credit mix
Steps to Improve Credit Score
Pay bills on time
Keep credit usage below 30%
Avoid unnecessary credit applications
Check credit report regularly
How Long Does It Take?
Improvement can be seen within 3–6 months with consistent effort.
Final Thoughts
Improving your credit score requires discipline but offers long-term financial benefits.
FAQs Q. Can a bad credit score be fixed?
Yes, with proper financial habits.