As I get older, I feel like time is running out on this goal. I always underestimated how important a credit score was, but now I constantly see a hundred reasons why mine needs to be better. I want to buy a new car. I want a credit card with a lower interest rate. And in a few years, I will probably want to buy a house. My credit score right now is hovering in the 500s, but I’d like to increase my score to at least 650 in the recent future. Right now, I am working on keeping my balances low to non-existent. I am planning on taking out a secured loan with my bank to add more good payment history. We will see where my score ends up in 6 months or a year.