Could Your Credit Score Be Healthier?

You probably won’t find a quick fix. But when it comes to your credit score, your actions do have the power to make a positive impact.

Here’s how the American Bankers Association says you can give it a boost.

Request a copy of your credit report. You’re entitled to a free copy from each credit agency, but you should go here to get it. Once you get a copy, look for mistakes and correct them.

Set up automatic bill pay. Every late bill payment matters. Luckily, this can be an easy fix.

Rent to build credit. You want a house. We hear you. But know that every on-time rent payment builds your credit.

Use credit wisely. Always pay off your credit cards. Don’t fall for the line that says big balances boost your score. Even paid off, big balances don’t really help, say the experts. Even if your favorite retail giant offers an extra 10 percent off a new pair of jeans, don’t open another credit card. Opening new credit accounts isn’t a bonus. But if you have old accounts already open, just leave them for now.

Know when to ask for help. It’s OK to need help with a complicated issue like money and debt. Just make sure you ask the right expert. Don’t where to turn? Here is a good place to start.