{"id":18790,"date":"2024-07-03T14:05:48","date_gmt":"2024-07-03T18:05:48","guid":{"rendered":"https:\/\/www.renthop.com\/blog\/?p=18790"},"modified":"2024-07-03T14:05:48","modified_gmt":"2024-07-03T18:05:48","slug":"how-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/","title":{"rendered":"How to Improve Your Credit Score"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are looking to apply for an apartment, you may need to check your credit score. Credit scores are created through credit history, and a high credit score is a marker of financial responsibility. If you have a low credit score, do not fear &#8211; credit scores are constantly changing, and though it may take some work, every credit score can be improved.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is a \u201cgood\u201d credit score?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A score of <\/span><a href=\"https:\/\/www.equifax.com\/personal\/education\/credit\/score\/what-is-a-good-credit-score\/#:~:text=Although%20ranges%20vary%20depending%20on,and%20up%20are%20considered%20excellent.\"><span style=\"font-weight: 400;\">800<\/span><\/a><span style=\"font-weight: 400;\"> is often lauded as the ideal credit score. A score of 800 tells lenders and landlords that you are extremely fiscally responsible and is a marker of excellent credit. If your credit score is less than 800, that doesn\u2019t mean it is bad. A score of 670-739 is considered good, 740-799 is very good, and 800 or above is excellent.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What impacts a credit score?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are <\/span><a href=\"https:\/\/www.debt.org\/credit\/improving-your-score\/\"><span style=\"font-weight: 400;\">five major factors<\/span><\/a><span style=\"font-weight: 400;\"> in determining your credit score:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your payment history, including if you paid the minimum payment, full balance, and if you paid your bill on time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit cards come with limits, and if you exceed your limit it can negatively impact your credit score. To be considered a \u201csafe borrower,\u201d you should use 30% or less of your allotted credit.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Length of history impacts your score \u2013 the longer your account is open, the better. Closing an account quickly can negatively impact your score.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A mix of credit sources (that are used and paid for responsibly) will also positively impact your score. This means having a mortgage, a car payment, and multiple credit cards.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">While diversifying your credit sources, applying for multiple credit cards at once can temporarily lower your score.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Ways Credit Score Impacts Your Apartment Search<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One of the first questions you\u2019ll receive from a landlord, <\/span><a href=\"https:\/\/www.renthop.com\/blog\/should-you-work-with-a-real-estate-agent\/\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\">, and or property manager during your apartment search process is \u201cWhat is your credit score?\u201d. There is no legally required minimum credit score needed to rent an apartment. Minimum credit scores can vary by area, and usually, each landlord will have their own set minimums. For renters searching for <\/span><a href=\"https:\/\/www.renthop.com\/apartments-for-rent\/new-york-ny\"><span style=\"font-weight: 400;\">New York City apartments<\/span><\/a><span style=\"font-weight: 400;\">, most landlords will prefer for you to have a minimum 650 credit score.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Improve Your Credit Score<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Improving your credit score<\/span><span style=\"font-weight: 400;\"> won\u2019t happen overnight, but these are a few tips from us and the <a href=\"https:\/\/www.federalreserve.gov\/pubs\/creditscore\/creditscoretips_2.pdf\">Federal Reserve<\/a> if you\u2019re looking to raise your score.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Get copies of your credit report and verify all of the information\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Before trying to improve your credit, you need to know where it stands. <\/span><a href=\"https:\/\/www.annualcreditreport.com\/index.action\"><span style=\"font-weight: 400;\">Annualcreditreport.com<\/span><\/a><span style=\"font-weight: 400;\"> is the only authorized website for a free credit report. Under federal law, you are guaranteed a free credit report from each of the three major credit reporting companies (Experian, Equifax, and TransUnion) each year. You can monitor these reports for any mistakes. If there are any, you can report them to the credit bureau to have them fixed. Though mistakes are rare, they can negatively impact your credit score, and it\u2019s crucial to have them remedied quickly. For more information on correcting a mistake on your credit report, you can visit the Federal Trade Commission <\/span><a href=\"http:\/\/www.ftc.gov\/bcp\/edu\/pubs\/consumer\/credit\/cre13.shtm\"><span style=\"font-weight: 400;\">website<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pay your bills on time\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Payment history and timeliness are important factors in your credit score, and one of the best things you can do for the health of your credit is to pay on time. If you are prone to forgetting deadlines, many companies will let you set up automatic payments on their website to ensure your bills are always paid on time.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Keep accounts open\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Length of credit history is important for your credit score. Even if you have old accounts you don\u2019t use anymore, you should keep them open to maintain your credit history with the company.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mix your credit sources<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Having a diverse array of credit sources, including a mortgage, auto loans, student loans, and credit cards, can prove financial responsibility and improve your credit score. However, be careful only to take on credit you can manage responsibly. Opening too many accounts or go into too much debt, it can backfire and lower your credit score.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Maintain a low credit utilization ratio\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The amount of credit you are using versus your credit limit is what is known as your credit utilization ratio. Though it may seem like you should be allowed to use all of the credit you are allotted, it reflects best on your credit report if you keep your credit utilization ratio under 30%. For example, if you have a $5000 credit limit, you should use $1500 or less of your credit.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pay off outstanding balances\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have open lines of credit with high balances, paying off your credit cards can immediately improve your score. Pay as much down on these accounts as possible to decrease your credit utilization ratio.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increase your credit limit\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are unable to pay off your outstanding balances to decrease your credit utilization ratio, you can request an increase in your credit limit. Even if you still have an outstanding balance, increasing the credit limit will improve your utilization ratio and thus, your credit score.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Limit hard inquiries\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you apply for a new credit card, the credit company will do what is called a \u201chard inquiry\u201d or \u201chard pull.\u201d This lowers your credit score temporarily. While it is good to have a wide array of credit cards, avoid applying for multiple cards at once to avoid lowering your score.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How long does it take to improve your credit score?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Improving your credit score takes time and continued demonstration of fiscal responsibility. Paying bills on time for one month may see a slight improvement in your score, but it can take years to build a positive credit score. The timing of improvement largely depends on where your credit score starts, how long your credit history is, and how many sources of credit you have. Beware of any quick fixes to your credit score &#8211; though you may see advertisements that promise to \u201cwipe away your credit history,\u201d there is no shortcut to a good credit score.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increase Your Credit Score Quickly\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re reading this article, it\u2019s likely that you\u2019re already deep in the process of apartment hunting and need tips on improving your credit score quickly. The priority should be to pay all of your outstanding debts as soon as possible. This will help decrease your overall credit utilization score. You may be tempted to open a new credit card, which will increase your credit limit. However, as mentioned, the hard inquiry will decrease your credit score. Prioritize decreasing your outstanding debt to effectively increase your credit score.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">In conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your credit score may seem like just a number, but it can affect your ability to purchase a home or qualify for an apartment. If you\u2019re looking to move and cannot improve your credit score immediately, you can also find a guarantor, provide a landlord with proof of assets, or sublet. These options can help you find housing in the short-term while working to improve your credit. Raising your credit score may seem like an uphill battle. If you continue to manage your finances responsibly, keep a low credit utilization ratio, pay bills on time, and diversify your credit sources, your credit score is bound to improve over time.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are looking to apply for an apartment, you may need to check your credit score. Credit scores are created through credit history, and a high credit score is a marker of financial responsibility. If you have a low credit score, do not fear &#8211; credit scores are constantly changing, and though it may [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":18791,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[150],"tags":[],"class_list":{"0":"post-18790","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-apartment-hunting"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v24.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Improve Your Credit Score - Real Estate Topics, Tips, and Guides<\/title>\n<meta name=\"description\" content=\"RentHop&#039;s best tips for how to quickly improve your credit score before or during your apartment search for a new home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Improve Your Credit Score\" \/>\n<meta property=\"og:description\" content=\"RentHop&#039;s best tips for how to quickly improve your credit score before or during your apartment search for a new home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Real Estate Topics, Tips, and Guides\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/renthopapartments\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-03T18:05:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.renthop.com\/blog\/wp-content\/uploads\/2024\/07\/improve_credit_score.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"751\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Faye Chou\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@renthop\" \/>\n<meta name=\"twitter:site\" content=\"@renthop\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Faye Chou\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\"},\"author\":{\"name\":\"Faye Chou\",\"@id\":\"https:\/\/www.renthop.com\/blog\/#\/schema\/person\/c88e3e67282efe8cff953d8632a949ec\"},\"headline\":\"How to Improve Your Credit Score\",\"datePublished\":\"2024-07-03T18:05:48+00:00\",\"dateModified\":\"2024-07-03T18:05:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\"},\"wordCount\":1215,\"publisher\":{\"@id\":\"https:\/\/www.renthop.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.renthop.com\/blog\/wp-content\/uploads\/2024\/07\/improve_credit_score.jpg\",\"articleSection\":[\"Apartment Hunting\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\",\"url\":\"https:\/\/www.renthop.com\/blog\/how-to-improve-your-credit-score\/\",\"name\":\"How to Improve Your Credit Score - 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