Boost Your Credit Score Before 2026

Your credit score affects more than just loan approvals. It can influence everything from the interest you pay on a car loan to your insurance premiums - even where you work and live. The closer your score is to 850, the more options and savings you’re likely to experience. With a few months left in 2025, there’s still time to give your score a meaningful boost before the year ends.

3 Year-End Credit Boosting Tactics

These simple actions can nudge those three digits in the right direction before the new year begins.

1. Pay down credit card balances: Aim to keep balances below 30% of credit limits, under 6.5% is even better. For example, with a $5,000 limit, try to stay below $325 for maximum impact on your score.
2. Ask for a credit limit increase: A higher limit can lower your credit utilization ratio, the gap between your credit limit and the amount owed. The wider the gap, the better your score. If you have a Wescom Visa^®, request an increase by calling the number on the back of your card.
3. Check for credit reporting errors: Mistakes on your report can hurt you, even if they’re not your fault. Review reports from all three reporting bureaus and dispute any inaccurate balances, accounts you don’t recognize, or outdated information.