You’ve heard it once, and you’ll hear it again. A high credit score can open so many doors for you during the duration of your life. As you continue to grow older, you’ll be amazed at how many times companies, banks and businesses ask for your social security number to run your credit score. For any large purchase or loan, your credit is going to be checked. Think of it as their way to verify if you are “good” for the loan or have the “ability” to pay back the purchase.

So many times people have taken out loans or bought items that they can’t afford, and find that they default on them which in turn puts the burden back on the banks and businesses. Over the years, the guidelines have gotten a bit tougher on credit scores and those who qualify for purchases based on their credit score.

If you’ve made some decisions in the past that have affected your current credit score, or maybe you are just starting out and looking at ways to build up that credit score, just know that you aren’t alone. Millions of people are in the same situation as you. The good news? Your credit score can always go up! The bad news? It can always go down as well. It has to be a decision in your mind that you are ready to raise that credit score. And if you are, that’s the first step to getting it done!

Do you due diligence and find out what your credit score is. Contact all three of the main credit agencies to make certain that your scores match between all three of them. Check for any negative marks and make certain that they are showing the accurate number of accounts open that you have for loans, credit cards, etc. Having too many accounts open, or not enough, can actually hurt or harm your credit score depending on which one it is.

Once you realize your score and also that everything is accurate, it’s time for you to start getting serious about building it up. When you make purchases, pay them off on time and by their due date. If you have too much debt attached to you and your name, it’s time to take the steps to eliminate that debt so that your debt to income ratio looks better. Banks and companies will be hesitant to give you a loan if it appears that you are in over your head with too much debt.

Just those simple changes can do great things for your credit score. While it takes time to raise, it will happen if you are persistent and constant with your efforts. Don’t let anything slip through the cracks and stay on top of each and every bill that comes to your home. As soon as you get it, pay it.

Monitoring your credit is also something that needs to be done as well. Check with your credit card companies to see if they offer any type of free service to help monitor or go online and find one that way. For more ideas you can check out If you can watch your score rise, it will show you that your hard work and efforts are truly paying off!