A fantastic way to start boosting your credit score is to pay more than the minimum on credit cards and loans wherever you can.
This is a double win for your credit score.
First, you’re paying off the balances faster and improving your debt to income and debt usage scores.
Second, extra payments are reported as positives on your credit report, even if it’s only $1 more than your minimum.
A lot of people will recommend rounding your minimum up to the nearest $5 to begin with and increase it from there as you can.
And the bonus to this step is that you’ll also pay less interest overall.