<figure class="wp-block-image size-large hts-content-image"><img src="https://images.unsplash.com/photo-1651129518942-21b21bd497e9" alt="5 Easy Ways to Raise Your Credit Score from 650 to 800 in 2025"/></figure>
<h2>Understand Your Credit Report</h2><p>The first step to improving your credit score is to thoroughly understand your credit report. Obtain a free copy from major credit bureaus and review it for any inaccuracies or outdated information. Correcting errors can have an immediate positive impact on your score. Make sure to check for issues like missed payments, which can drag your score down significantly.</p><h2>Lower Your Credit Utilization Ratio</h2><p>Credit utilization refers to the percentage of your total available credit that you&#8217;re currently using. To boost your score, aim to keep this ratio below 30%. This can be achieved by paying down existing debts or requesting higher credit limits, provided you don&#8217;t accumulate more debt. A lower credit utilization ratio demonstrates to creditors that you manage your credit responsibly.</p><h2>Make Payments on Time</h2><p>Your payment history is one of the most crucial factors affecting your credit score. Ensure that all your bills are paid on time, as late payments can significantly harm your score. Setting up automatic payments or reminders can help you stay on track. Consistent on-time payments will gradually increase your score over time, moving you closer to that 800 mark.</p><h2>Keep Old Accounts Open</h2><p>Length of credit history also plays a critical role in determining your credit score. Keeping older credit accounts, especially those in good standing, open can positively influence your score. A lengthy credit history is seen as a sign of reliability by lenders.</p><h2>Limit New Credit Applications</h2><p>Each time you apply for credit, a hard inquiry is made, which can temporarily lower your score. Avoid applying for multiple credit accounts in a short period. Instead, focus on improving your existing accounts. By limiting new credit inquiries, your score can steadily climb towards the 800 threshold.</p>
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