---
title: "How To: Improve your Credit Score"
published: 2020-07-17T00:00:00.000Z
updated: 2026-05-04T16:29:36Z
author: "TQL Editorial"
canonical: https://www.totalqualitylending.com/resources/blog/how-to-improve-your-credit-score
source: Total Quality Lending
---

# How To: Improve your Credit Score

> Learn how to boost your credit score — by paying on time, reducing debt, managing credit wisely and avoiding unnecessary new credit.

![How To: Improve your Credit Score](https://cdn.sanity.io/images/xd7hu67n/production/5640a66e471fe61ebbc6c3dbdbb96bc23510ab39-640x640.jpg)

Wednesday we broke down what your credit score means and how it can help or hurt you when applying for a mortgage loan, today we are going to break down how to improve your credit score!

1. Get your credit report - check for errors missed payments and other bad marks
2. File a Dispute - Dispute any errors with each of the three credit bureaus, you can also try this with legitimate bad marks
3. Switch Up Your Debt - Consolidating your revolving (credit card) debt into non-revolving debt in a personal loan is a better type of credit. Just don't max out the cards again
4. Ask for a Limit Increase - Getting your cards limit increased improves your credit utilization ratio
5. Add Rent to your Credit Report - You can earn credit for those on-time rent payements by using sites like RentTracker
6. Get a Cosigner - If you aren't able to get a loan on your own, getting a cosigner can help you start building an awesome credit history
7. Ride Piggyback on Someone's Card - Get added to someone's credit card so their on time payments help your credit score
8. Get Tough with Creditors - Negotiate with lenders, especially those with whom you've maybe missed payments.
9. Payoff Maxed-Out Credit cards first - and then pay the rest off, always try to make more than 1 payment a month and more than your minimum paymentWell we hope these tips were able to help you get a better idea as to how to improve your credit! Have a great weekend ?

![](https://cdn.prod.website-files.com/691544ec31f6d9813bdda075/692f27f1583fd9f5a8a1c38b_IMG_7216-1-2.jpeg)

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Canonical URL: https://www.totalqualitylending.com/resources/blog/how-to-improve-your-credit-score
Publisher: Total Quality Lending (NMLS #1933377)