Many people are not aware that they have a credit score. Everyone who has a bank account, credit card, or has applied for an Unsecured Credit, automatically has an active and running credit score. A credit score is important and sometimes becomes an obstacle for someone to make. With a good credit score, you will be more easily approved. Conversely, if you currently have a bad credit score, immediately take several ways to fix it. If it’s possible, don’t just aim for the “safe” credit score, but try to reach the highest possible credit score for your convenience instead.
Therefore, let’s read some easy ways to increase your credit score:
Check & Fix Data Errors
The first step to improving your credit score is to check and pay attention to your credit report information. Check all existing data, starting from writing personal data, addresses, account numbers, and other important data. If you find an error, don’t delay and immediately report it so that it is corrected by the creditor. You can do this check regularly to avoid prolonged problems and minimize refusals.
Create a Bill Payment Reminder
If you are someone who forgets easily, you can circumvent this point in several ways. For example, you can use the automatic bill payment feature provided by many banks. You can make recurring payment settings with the same nominal on the specified date each month. Or, to put it more simply, you can create an alarm and a reminder note (reminder) on your cellphone on the same date that your salary drops, or your income is collected. In this way, it is hoped that you can immediately remember and feel that you have an obligation to pay your bills for that month.
Avoid Making a New Credit Card
The second step you can take to increase your credit score is to avoid making new credit cards. The number of credit cards that are still categorized as “healthy” is a maximum of 4 credit cards. Don’t fall for the promos, benefits, and attractive offers made by the bank to get your attention. The use of a credit card is also better if it has usage restrictions.