8 Ways To Improve Your Credit When Obtaining A Credit Card Isn’t An Option

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When searching for ways to improve your credit, the most common advice we receive is to open a credit card. We’ve been told that in order to build a positive credit history, we need to open a credit card (secured or unsecured), make a small purchase once a month, stay under 30% of our credit limit and pay off the balance every month. 

Although this can be a great tool to build or rebuild your credit, this is not the only solution. There are other ways to improve your credit. Let’s first understand why a credit may not be an option to build or rebuild credit. 

5 Reasons Why A Credit Card May Not Be An Option:

  1. Credit card application denied
  2. Paid off credit card debt and not interested in taking on more credit card debt
  3. Never had a credit card and not interested in starting now
  4. Lack of credit card discipline 
  5. Tempted to max out credit cards

It’s great to understand your…

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