Erase Credit Woes 65 Points Instantly Without Spending Money

Long-Term Credit Improvement Strategies

While instant fixes can provide a quick boost, sustainable credit health requires long-term strategies:

- **Consistent On-Time Payments**: Payment history is the most significant factor in your credit score. Set up automatic payments or reminders to ensure you never miss a due date⁴.

- **Diversify Your Credit Mix**: Having a mix of credit accounts, such as credit cards, installment loans, and retail accounts, can positively impact your credit score. However, only take on new credit if you can manage it responsibly.

- **Avoid Unnecessary Hard Inquiries**: Each hard inquiry can slightly lower your credit score. Be strategic about applying for new credit to minimize these inquiries.