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Your credit score is an essential financial metric that can have a significant impact on your life. It determines whether or not you will get approved for loans, credit cards, and even job applications. Therefore, it’s crucial to maintain a healthy credit score by making timely payments, minimizing your debt, and using credit wisely.

If you struggle with your credit score, here are 5 surprising ways to improve it:

1. Consider a Credit-Builder Loan
If you have a limited credit history, a credit-builder loan can help you establish or rebuild your credit. This type of loan works by borrowing a small amount, which is then deposited into a savings account. You repay the loan over time with interest, and the savings account earns interest at the same time. The loan payments are reported to the credit bureaus, which can help you establish or improve your credit score.

2. Be an Authorized User on Someone Else’s Account
One way to improve your credit score without borrowing any money is to become an authorized user on someone else’s account. If the primary cardholder has a good payment history, being listed as an authorized user can boost your credit score without any risk to the primary cardholder.

3. Dispute Errors on Your Credit Report
Sometimes, errors appear on credit reports, which can negatively impact your score. It’s critical to review your credit report regularly to ensure that there are no inaccuracies. If you spot an error, dispute it immediately with the credit bureaus, and have it removed from your report.

4. Use a Secured Credit Card
A secured credit card works like a regular credit card, but it requires a refundable deposit that acts as collateral. These cards are often easier to obtain than traditional credit cards, and they report to the credit bureaus, which can help you build your credit score over time.

5. Pay Your Bills on Time
One of the most critical factors affecting your credit score is your payment history. Late payments can significantly damage your credit score, so it’s essential to pay your bills on time. Setting up automatic payments or reminders can help ensure that you never miss a payment.

In conclusion, there are many ways to improve your credit score, and these 5 surprising methods can help you get started. Remember to be patient, and use credit wisely, and you’ll see your score improve over time.