# Credit Get tips on how to improve your credit score and more. - Choose a Category ![down arrow icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/chevron-down-blue.svg) - [Budgeting Tips](https://www.advanceamerica.net/money-saving-tips/budgeting-tips) - [Credit](https://www.advanceamerica.net/money-saving-tips/credit) - [Debt Management](https://www.advanceamerica.net/money-saving-tips/debt-management) - [Home and Family](https://www.advanceamerica.net/money-saving-tips/home-and-family) - [Money Management](https://www.advanceamerica.net/money-saving-tips/money-management) - [Need Money](https://www.advanceamerica.net/money-saving-tips/need-money) - More ![down arrow icon](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/chevron-down-blue.svg) ![close button](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-close-navy.svg) - [ Budgeting Tips ](https://www.advanceamerica.net/money-saving-tips/budgeting-tips) - [ Credit ](https://www.advanceamerica.net/money-saving-tips/credit) - [ Debt Management ](https://www.advanceamerica.net/money-saving-tips/debt-management) - [ Home and Family ](https://www.advanceamerica.net/money-saving-tips/home-and-family) - [ Money Management ](https://www.advanceamerica.net/money-saving-tips/money-management) - [ Need Money ](https://www.advanceamerica.net/money-saving-tips/need-money) Your credit score is an important part of getting financial help for many areas of your life. Here, you’ll find information on responsible borrowing, tips to improve your credit score and more. Learn about the factors that affect your score, what types of loans are available for individuals with bad credit and find helpful tips to increase your credit score. You’ll also read about different forms of credit, like secured vs. unsecured loans, and get credit tips on things like your ability to repay and how to increase your borrowing limit. When you have good credit, you’ll be more likely to get accepted for credit cards and loans. Plus, you’ll pay less in interest, saving you a lot of money over time. Higher credit scores can even improve your chances of getting hired or open up more rental opportunities. Learn all about important credit factors like your payment history, amount of overall debt, diversity of accounts, length of credit history and more. Even if your score isn’t perfect, you may still be qualified for other types of funding. Our credit tips can help you determine which options are best for you and teach you the difference between things like secured and unsecured loans or direct and third-party lenders. Our blog articles break down credit topics with helpful tips that can help you improve your credit score over time, maintain a good mix of credit and show you how to request your annual credit report. Visit our blog to stay updated on everything you need to know about achieving good credit so you can keep moving forward. [ ![couple in a new apartment](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2025-11/couple-in-a-new-apartment.jpg.webp?itok=g_IEQXeN) Can You Get an Apartment With Bad (or No) Credit? Yes! You can rent an apartment even with bad or no credit. ](https://www.advanceamerica.net/money-saving-tips/credit/get-apartment-with-bad-credit) Less than perfect credit? [See what loan options are available](https://www.advanceamerica.net/loans/online-loans/online-loans-for-poor-credit "Online Loans for Bad Credit: Types, Benefits and Where To Apply") [ ![Man researching credit scores online](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2021-08/man-looking-at-computer.jpg.webp?itok=cMPem4fr) Understanding the Different Types of Credit Scores We’ve all heard that it’s important to have a good credit score. ](https://www.advanceamerica.net/money-saving-tips/credit/types-credit-scores) [ ![Cheerful student with long hair and glasses holds up her phone and credit card and smiles.](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2023-03/cheerful_student_with_long_hair_and_glasses_holds_up_her_phone_and_credit_card_and_smiles.jpg.webp?itok=O-neRi5G) How to Establish Credit: A Beginner’s Guide Starting from scratch? Establishing credit is simpler than you might think.  ](https://www.advanceamerica.net/money-saving-tips/credit/how-to-establish-credit) [ ![shopping cart and credit card with a timer](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2024-11/bnpl.png.webp?itok=JuaZRBcB) Buy Now, Pay Later: Which Companies Report to Credit Bureaus? Buy Now, Pay Later apps have become popular for shoppers who want to break up the cost of purchases into smaller payments. ](https://www.advanceamerica.net/money-saving-tips/credit/do-bnpl-companies-report-to-credit-bureaus) [ ![Close up of young women using calculator and laptop](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2023-01/close_up_of_a_young_woman_using_a_calculator_and_laptop_0.jpg.webp?itok=OMS5yRDi) What Is a Credit Utilization Ratio? I used to wonder why my credit score would fluctuate even though I always made my credit card payments on time. It was frustrating. ](https://www.advanceamerica.net/money-saving-tips/credit/credit-utilization-ratio) Load More Tips ## The Advance America advantage Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including [Payday Loans](https://www.advanceamerica.net/loans/payday-loans), [Online Loans](https://www.advanceamerica.net/loans/online-loans), [Installment Loans](https://www.advanceamerica.net/loans/installment-loans), [Title Loans](https://www.advanceamerica.net/loans/online-title-loans "Online Title Loans") and [Personal Lines of Credit](https://www.advanceamerica.net/loans/line-of-credit). 157+ million loans issued 700+ stores and online loans 28+ years providing loans [Apply Now](https://www.advanceamerica.net/online) [Find a Store](https://www.advanceamerica.net/store-locations)