Raise your credit score the right way save money and open doors simple guides to debt credit and wealth book 3 ebook fischer kurt amazonca kindle store. Credit builder loans can offer a small credit score boost as you lend money to yourself you make monthly payments into an interest bearing certificate of deposit cd for up to 24 months the bank. Having higher credit limits on your accounts can actually improve your score because it helps lower your credit utilization ratio as a side effect if you tend to use a lot of your credit limit even though you pay your balance in full every month try calling to get your limits raised tip dont raise your limits way too high it can look . Dont go over your credit limit if you have a credit card with a 5000 limit try not to go over that limit borrowing more than the authorized limit on a credit card can lower your credit score try to use less than 35 of your available credit