Yourcreditgoals

: A higher score means paying thousands of dollars less over the life of a mortgage or car loan.

Are you looking to on your report, or are you trying to reach a certain score for a big purchase like a home? yourcreditgoals

: Request an increase on your existing cards every 6–12 months. As long as you don't spend more, this instantly lowers your utilization. : A higher score means paying thousands of

: Keep your balances below 30% of your total limit. For a "power move," aim for under 10%. yourcreditgoals

: Use credit to pay for your lifestyle. High-tier cards offer travel points and cashback, essentially paying you to spend money you were going to spend anyway.

: Use sites like AnnualCreditReport.com to get your official reports.