Utilization Under 30% Rule
Keep your credit card balances below 30% of your total credit limit at all times. Under 10% is ideal for the highest scores. Credit utilizat...
On-Time Payment Autopilot
Automate the minimum payment on every credit account. Payment history is 35% of your FICO score — the single largest factor. One missed paym...
Free Credit Monitoring System
Use free tools to monitor your credit score and full report monthly. Catch errors, identity theft, and score drops early. Errors on credit r...
Oldest Account Protection
Credit history length is 15% of your FICO score. Never close your oldest credit card account — even if you rarely use it. Keep it active wit...
Authorized User Strategy
Get added as an authorized user on someone else's credit card account that has a long history and low utilization. Their positive history ca...
Hard Inquiry Management
Every new credit application triggers a hard inquiry that can temporarily lower your score. Manage applications strategically — especially b...