Current Rate Snapshot: Holding Steady in the Low 6s
Outlook: Mild Ease on the Horizon
Quick Credit Boosts for Better Rates
- Timely payments rule: Automate bills; one slip can cost 100 points.
- Slash utilization: Keep cards under 30% balance—pay extra now.
- Spot-check reports: Grab your free annualcreditreport.com pull and fix errors.
- Freeze new apps: Avoid inquiries that ding scores short-term.
- Add positive history: A secured card helps if you’re building.
