Your credit score is more than just a number — it’s a powerful financial tool that can impact nearly every aspect of your life. Whether you’re buying a home or car, or even applying for a job, your credit score plays a crucial role in determining your financial opportunities.

If your credit score isn’t up to par, below are some tips on how to get your credit back on track.

  • Be punctual with payments. Automate payments to avoid late fees.
  • Pay down your debt. Reduce non-essential spending to pay extra on credit accounts.
  • Don’t max out your credit limit. Request a credit limit increase to lower overall credit utilization.
  • Maintain good habits. Keep accounts open and in good standing.
  • Talk with a credit counselor. Get personalized advice and dispute credit report errors.

For more information on credit scores, visit cefcu.com/fico or read an article about credit scores at greenpath.com/wellness.