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[–] 3 points 2 years ago* (last edited 2 years ago) (1 child)

Yep, find credit cards with no monthly fee and open them. I have 3 lines of credit and only use the one with the highest benefits. I pay off the bill after it hits my statement, and my credit is always 780-790. Also, like you said, up your limit if you can to get a lower debt to available credit ratio.

Edit: I bet the people down voting me have terrible credit lol.

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  • [–] 1 point 2 years ago (1 child)

    Try paying it off before it hits the bill. I bet you can squeeze a few points out of it. A friend and I both do that and I've been at 804 since summer and his sits between 810 and 815. Although in truth there's no real difference between your lowest and my friend's highest in terms of what interest rates you'll get.

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