Improving your credit score doesn’t have to be confusing.

Small changes can create big results when you know what to focus on.

Let’s make it simple 👇

1️⃣ Have at least 2 active tradelines

Lenders want to see you can manage more than one account responsibly.

This usually means 2 credit cards OR a card + line of credit.

✔️ limits of at least $2,000 each

✔️ use them monthly

✔️ pay them on time

2️⃣ Make every payment on time

Payment history is the biggest part of your score.

Even one missed bill can cause a major drop.

✔️ set reminders or autopay

✔️ always pay at least the minimum

3️⃣ Limit credit checks

Too many hard inquiries signal risk to lenders.

This lowers your score and can block approvals.

✔️ avoid store card offers

✔️ avoid applying for multiple loans at once

4️⃣ Keep balances under 50% of your limit

High utilization hurts your score even if you make payments.

Under 30% is ideal — under 20% is even better.

✔️ pay mid-month AND end-of-month

✔️ use credit only for predictable bills

5️⃣ If you miss a payment, fix it fast

Your score recovers faster when you catch up quickly.

Lenders look at patterns, not perfection.

✔️ make the payment immediately

✔️ resume on-time payments going forward

6️⃣ Each partner needs their own credit

If one person has all the accounts, the other has no history.

That becomes a problem when applying jointly.

✔️ make sure joint accounts report for both

✔️ both partners should have 1–2 active accounts

7️⃣ Never exceed your limit

Going over-limit is a major warning sign for lenders.

It signals financial strain and poor credit management.

✔️ stay under your limit

✔️ request a higher limit if needed

💬 Final Thought

Strong credit is built through simple habits done consistently — not complicated tricks.

If you want help boosting your score before applying for a mortgage, message The Frontline Mortgage Group anytime. 💬