Pay your credit cards twice each month.
The most popular trick to raising your credit score is actually one of the more simple things you can do. If you’re that person who charges close to your credit limit every month, it could damage your score. Yes, it will even hurt your score if you pay it off in full. There’s no need to worry, however. You can really lessen the damage by making two payments each month. Make one just before the card’s statement closing date and make another just before the due date. The first payment typically reduces the balance that’s reported to the credit bureaus, while the second payment all but assures that you don’t wind up paying interest or incurring a late fee on any remaining charges you may have. Your credit score is incredibly sensitive to how much you’re charging compared to what your credit limits are.