Having a good credit score can benefit you in many ways, but for many people boosting their credit score proves to be a difficult task. If you are looking to raise your credit score, there are a variety of things that you can do to achieve this. 

Ways to Raise Your Credit Score

In this article, we are going to look at some useful tips for successfully boosting your credit score, which will, in turn, improve your chances of being approved for future credit should you require it. 

1. Pay Your Bills On Time

Having direct debits set up on your bank account is a great way to improve your credit score, but this only applies if these bills are paid on time and do not bounce. A great way to ensure that your bills get paid on time is to set up your direct debits to go out on the day that you get paid, you will notice a dramatic change in your credit score if you maintain this for a few months.

MORE: How to Improve Your Credit Score: 12 Tips & Tricks

2. Get Credit For Paying Your Utility And Phone Bills On Time

It is not usually the case that your utility or phone bills will appear on your credit report. So you’d think they are not known to affect your credit score. That being said, if you regularly miss payments and the provider sends your account to a debt collection agency, this will appear on your report and can a significant effect on your credit score. It’s important to pay these bills on time to avoid hurting your credit score. However, there are ways (see below) to improve your credit score by using these everyday bills if you’re already responsibly paying them on time.

3. Keep Your Credit Accounts Low or Pay Them Off Completely

One of the most common ways of raising your credit score is to use a credit card or overdraft each month and then pay it off in full. This shows that you are a responsible borrower and will reflect in your score. If you cannot afford to pay off your credit accounts in full every month, it is worth keeping them as low as possible and steering clear of your limit. Having less outstanding and paid in full accounts can do wonders for your credit score faster than you can believe!

MORE: 12 Ways to Improve Your Credit Score

4. Avoid Applying for Too Many Cards

Every time you make an application for credit, whether it is approved or not, it is recorded on your credit file. Over time, if you regularly make applications for credit, your score will be reduced. It is therefore hugely important that you do not apply for a lot of credit cards, especially in a short period of time. If you do need to apply for more than one, it is best to do so with significant time gaps between each application.

5. Don’t Apply For Credit Unless You Need To

If you do not need to apply for credit-then don’t. Credit cards, loans, overdrafts, etc. can all be beneficial for times when you need a quick cash injection or have an unexpected financial situation. However, you should not only apply for credit because you can. Looking at the previous point will explain that applying for too much credit can damage your score, but if you take out credit for the sake of it, you may later find yourself in debt. Not only this but even if you can meet the monthly repayments, you will be paying interest as well as having credit accounts on your report that does not need to be there. 

MORE: 14 Tips First-Time Home Buyers Must Follow

6. Do Not Close Unused Cards

If you have a card that you are not using, it is still worth keeping the account open. You may think that these seem fruitless, but in fact, these will appear on your credit report as settled and will, therefore, improve your score. If you are tempted to close these card accounts for fear of using the credit, you could always store the card in a safe location to avoid spending on it.

7. Take Advantage of Experian Boost

If you have been asking yourself, ‘how can I boost my credit?’ It may be time to take advantage of the new credit boosting service by Experian Boost. This is an excellent incentive for those who have phone and utility bills that do not usually appear on your credit report, to get positive credit for these. Simply show your regular payment history, and you can boost your score quickly.  

This is an excellent option for those with a lower score or for those who are trying to build a credit score but have not taken out any previous credit and is a simple and effective shortcut to a better credit score. Experian Boost provides daily credit monitoring, almost instant credit increase, monthly score reporting, and much more.  


When you are attempting to raise your credit score, it can be a stressful time; however, there are a variety of things that you can do to boost your score and have a healthier-looking credit report.

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Dennis DeWall

I’m one of those SSDI people and make less than a 1,000 per month. I’ve had to max overdraft $650.00 every month, and have been forced to for over 2 and 1/2 years just to survive every month. I depend on my Church Food Bank at the last of each month just to survive. I am in the top 3% of poverty in the U.S. I make so little, I haven’t filed any taxes for many years now. And yet, I’m not eligible for a stimulus check because I’m not required to file, and I am 65 years old and… Read more »