Credit tip number two: one of the easiest ways to improve your credit score is to ask your bank for a higher credit limit on your credit card. Why? Because it decreases your overall credit utilization, it's as easy as calling your bank and asking them for a credit limit increase. Sometimes they do a hard credit pull, which means it'll affect your credit score and most of the times or sometimes it will soft pull it. You know varies from bank to bank.

I personally recommend always doing the soft pull ones the hard ones i don't really do but yeah and also make sure this is a big make sure that your payment, your accounts, are. You have great payment history, you're in good account standing they're not going to give you a credit limit increase if you're not making your payments on time. Experts recommend about 30 credit utilization. I recommend the closer to zero as possible, so ten percent five percent one percent the closer to zero as possible.

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