Credit Tips to Raise Your Score and Keep Debt Under Control

Want a better credit score without spending hours reading finance blogs? You’re in the right spot. Below you’ll find straight‑forward tips you can start using today, plus a quick look at the most helpful articles on our site.

Quick Wins for Your Credit Score

First, check your credit report for errors. A single typo can knock a few points off. Dispute any inaccurate late payments or balances – most agencies fix mistakes within 30 days.

Second, keep your utilization below 30%. That means if your total credit limit is £5,000, try not to carry more than £1,500 in balances. Pay down high‑interest cards first; you’ll see the impact on your score fast.

Third, become a regular payer. Even a small auto‑pay setup for a few months shows lenders you’re reliable. Consistency beats occasional big payments every now and then.

Managing Debt Without Hurting Your Score

If you’re juggling several loans, a debt‑consolidation loan can simplify things. Our article “Do Consolidation Loans Affect Your Credit Score?” explains why the right loan can actually lift your score by reducing credit inquiries and lowering overall utilization.

For people thinking about using a balance transfer, read “What Actually Happens to Your Old Credit Card After a Balance Transfer?” – it walks you through the pros, the cons, and what to do with the old card to avoid hurting your score.

When you consider tapping home equity, the guide “Should You Use Home Equity for Debt Consolidation?” breaks down the math and shows when it makes sense and when it can backfire.

Got $50k in credit‑card debt? The piece “How Common Is $50,000 in Credit Card Debt?” gives real stats, warning signs, and a step‑by‑step plan to chip away at the balance without sinking deeper.

Finally, if you’re new to credit or have a poor score, the article “How to Get a Loan When No One Approves You” lists alternative lenders and practical steps to rebuild credit after a denial.

These articles are all part of our “credit tips” tag, so you can jump from one tip to the next without getting lost. Each post sticks to the same no‑fluff style: clear advice, real numbers, and practical actions you can take right now.

Remember, improving credit isn’t about a single miracle move. It’s a series of small habits – checking reports, paying on time, keeping balances low, and choosing the right debt tools. Start with one tip today, watch the change, then add another. Your score will thank you, and you’ll feel more in control of your money.