Large purchases like a car or home in Lynchburg, VA often require a solid credit score. Even if your score is decent, you may want to work on it in order to get better loan terms. Making even a few adjustments can boost your score by several points. Check out these tips for improving your credit score if you could use a boost.

If you have spotty payment history, don't despair. Making on-time payments for a consistent amount of time can go a long way toward overcoming past mistakes. If you should find that you've missed a payment or can't make one on time, be sure to reach out to your creditor. They may give you an extension to get caught up.

Lowering your credit utilization in comparison to your available credit can also raise your score. You can accomplish this by asking your current credit card company for a higher credit limit or getting approved for an additional card.

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