6 Expert Tips to Raise Your Credit Score

Building good credit in your early- and mid-20s can be really tough to do, especially if you’re strapped down with student loan debt or have other major expenses, like saving for a wedding. The good news? There are lots of little things you can do no matter what early stage of life you’re in to prep for a super solid financial future. To get some foolproof advice on exactly what you can do to raise your credit score, we chatted up Andrea Woroch, a nationally recognized consumer and money-savings expert. Scroll on to take her amazing advice and you’ll be well on your way to a higher number in no time.

1. Make a budget and stick to it. Understanding what you can actually afford is always the first step to good money management habits and an awesome financial future. Though it can be super tough as a recent grad to be frugal, since you finally have a little bit of cash, sticking to smart spending is the first step to having great credit. Andrea agrees and says, “Ultimately, a new grad’s goal should be to pay down debt.” Of course, this definitely isn’t to say you shouldn’t treat yourself now and again — so long as you stay within your means.

2. Automate your payments. Having heaps of bills each month is stressful and even the most responsible person can mistakenly miss a payment. To avoid the chaos and stress, Andrea suggests taking advantage of companies that offer auto payment from a debit or credit card. “Setting up automatic payments for your monthly bills is a great way to stay on top of expenses — and you can earn rewards too,” Andrea says. “Though some utility bills might charge you a minimal credit card fee to process, the benefits outweigh the costs.” Mainly, your credit will never take a hit from a late payment.

If a company doesn’t have an auto-pay option, add an event to your calendar a few days before a bill is due to avoid missing it. Andrea swears by email and text message notifications for each new bill, since reviewing them right away will help you note any possible mistakes way before paying.

3. Keep a low credit card balance. Andrea tells us, “Maintaining a low balance will not only help you manage timely payments, but it also helps your credit score.” She explains that “credit card utilization rate” refers to the amount of money you charge on a monthly basis and is the number companies use to determine your creditworthiness. She says, “People who keep their utilization percentage low typically have higher credit scores than those who max out their credit cards constantly. As a rule of thumb, you should NEVER use more than 30 percent of your available credit.” Once you go beyond this percentage, your credit score will be negatively impacted. Andrea also strongly advises closing old accounts, because the length of your credit history plays a part in your score too.

4. Set up a loan repayment plan or request a deferment.It might be tempting to ignore student loan debt if you’re not making enough money to cover living expenses and high payments, but it’s among the WORST things you can do for your credit. Instead, Andrea says, “Talk with a loan provider. They’ll work with you on repayment options based on your personal situation. You might even qualify for a financial hardship deferment.” Phew.

5. Treat your credit card like it’s debit. Andrea suggests a simple switch in how you think, saying, “Treat your credit card like a debit card. What I mean by that is to charge ONLY what you have available in the bank.” She wisely tells us that by doing so, you’ll be able to pay off your balance in full each month and totally take advantage of card benefits and rewards without paying the fees.

6. Just say no to store credit cards. It’s hard to say no to phenomenal discounts and special perks for opening a store credit card, but Andrea tells us to avoid doing it at all costs. “Store cards come with extremely high APR, retroactive interest and limited rewards (if even offered at all), plus pricey late fees and other penalties. If you don’t shop at the store often, you might even forget about the new account and miss a payment — making that initial discount obsolete!” She also tells us that it’s harder to manage multiple credit accounts AND your credit score gets dinged each time you request a new line of credit. Yikes!

Her solution? Stick with one great card from a reputable, major company that offers cash back or travel points and use it to maximize rewards. She suggests looking for online coupons on sites like RetailMeNot or using free mobile apps like CouponSherpa for instant in-store deals.

What questions do you have about building credit? Tweet ’em to us @BritandCo!

(Photos via Getty)

No matter what kind of day you're having, Marissa Cooper's having a worse one. Mischa Barton's The O.C. character went through the ringer during the first three seasons of the teen drama (remember how she overdosed in Tijuana...and also saw her parents post-hookup after their divorce?).

And during her time on The O.C., Mischa Barton struggled with drug and alcohol abuse. She was arrested for a DUI in 2007 and eventually received involuntary psychiatric hospitalization in 2009 after allegedly threatening to end her own life. And in a new interview, Peter Gallagher (who played Sandy Cohen on the show) says he's "just so grateful" for "the fact that she’s still alive."

  • Mischa Barton starred alongside Peter Gallagher in The O.C. from 2003-2006.
  • The actress has revealed the "trauma" of being a star at that point in her life.
  • Peter recently opened up about how he's thankful "she’s still alive."


Dimitrios Kambouris/Getty Images for FLC/John Lamparski/Getty Images

The O.C. follows Ryan Atwood, who moves in with the Cohens after getting kicked out of his mom's house, and starts a relationship with Marissa shortly after. While Peter Gallagher played Adam Brody's TV dad instead of Mischa's, Sandy was a definitely father figure for Marissa, and it seems like Peter felt that same responsibility off camera.

"I’ve always felt very protective of her," Peter told The Independent. "First fame is toxic. First fame can kill you. She was 16 years old when she started working with us, so just the fact that she’s still alive, I’m just so grateful."

“You can go to therapy every day for the rest of your life,” Mischa said in a 2023 interview with The Sunday Times. “There’s just a certain amount of trauma [from] all that I went through, particularly in my early twenties, that just doesn’t go away overnight.”

Josh Schwartz and Stephanie Savage revealed that season 1 overdose not only served as a cliffhanger, but gave “network executives an escape hatch on a performer they had been wary about” (via People). But Mischa Barton got her big break, becoming "how people knew the show," and (thankfully) Marissa recovered — only to die after a car crash in season 3.

As hard as that season 3 ending is to watch, Mischa did have the opportunity to watch it with Rachel Bilson and Melinda Clarke for the first time on their rewatch podcast. "It needed to be a thing, after everything she's been through, but if it's here I'll watch it with you," Mischa says.

"I couldn't do it, Mischa, I couldn't do it," Rachel adds. "But I'm going to do it if you're going to do it."

Mischa says even though being written off the show "was a little bit of a bummer," it wasn't necessarily a surprise. "The character was just doing too much," she told Vanity Fairin 2023. "And I think they ran out of places for her to go. It was not the best thing in the world, [but] there wasn’t much you could do at that point. It was whether she could sail off into the sunset, or die. At that point, I guess it’s better to have the more dramatic ending.”
What did you think of The O.C. season 3 finale? Let us know on Facebook!

Former Disney Channel star Dylan Sprouse and model Barbara Palvin are certainly living the sweet life after tying the knot in Palvin's native Hungary. The couple, who have been together for nearly five years, have always been pretty low-key — except for the occasional and undeniably adorable Instagram post (and a stunning wedding!). We are simply ~obsessed~ with this celebrity couple, especially after they pulled out all the stops for their couple's Halloween costume. Keep scrolling to see some of their best moments :').

See Dylan Sprouse & Barbara Palvin's Halloween Couple's Costume!

For Halloween Dylan Sprouse and Barbara Palvin stunned as the Phantom and Christine from Phantom of the Opera. Dylan wore a mask and a black cape, while Barbara wore a beautiful white dress. While the costume is obviously a nod to the musical, it also totally reminds us of their day as bride and groom.

"In Sleep He Sang to Me," Barbara said in a post, quoting the musical's titular number. "@dylansprouse my forever Phantom."

Who did Dylan Sprouse marry?

www.instagram.com

On the couple's wedding day (July 15, 2023), Barbara wore a Vivienne Westwood wedding gown to celebrate her Hungarian nuptials, bringing together their nearest and dearest for an intimate(-ish) celebration. Barbara and Dylan tied the knot on her parent's property, which conveniently doubles as an event venue, with plans to host an larger wedding in California in the fall.

"This past weekend was supposed to be an intimate event, but we ended up having 115 guests in the end because there are a lot of people we care about, and we wanted them all to be there," Barbara told Vogue.

When did Dylan Sprouse and Barbara Palvin get engaged?

www.instagram.com

Barbara Palvin on Instagram: "♥️"

After months of speculation surrounding the couple's engagement, Dylan and Barbara confirmed their engagement in conversation with Sprouse's twin brother, actor Cole Sprouse, for V Magazine in June, sharing that they got engaged last September.

"We didn't necessarily feel the need to be fully transparent with the public about that aspect of our engagement," Dylan said. "What we wanted to do with Stephen [Gan, V editor-in-chief] and the V team is make something that was kind of tongue-in-cheek about the nature of private versus public. We're playing with the idea of perception."

Barbara noted that the lovebirds wanted to announce the news "on our time," adding, "When some people leaked the information that we got engaged, our PR team was like, 'Hey, so you guys should do maybe a post about it or talk to this magazine or talk to that magazine…' That really annoyed me because I knew we were building this story up. So, I'm very happy that we ended up doing it our way."

When did Barbara Palvin and Dylan Sprouse start dating?

Sean Zanni / Stringer / Getty Images Entertainment

See Dylan Sprouse & Barbara Palvin's Dreamy Halloween Costume: "My Forever"

According to People, the couple met back in 2017 after a party when the Suite Life On Deck star slid into the model’s DMs (and as they say, the rest is history). The duo made their relationship Instagram official back in 2018 with Barbara’s sweet birthday tribute for Dylan’s 26th birthday.

Let’s be real here for a second though, we all knew they were endgame the minute Dylan went above and beyond to support Barbara at the Victoria Secret Fashion Show that same year (remember this viral video?). Three days after the fashion show, the Hungarian model told Vogue Australia that she hadn’t had a boyfriend in six years, but had now found “the perfect guy” in Dylan (we aren’t crying, you are).

How old are Barbara Palvin and Dylan Sprouse?

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Barbara Palvin was born on October 8, 1993, making her 31 years old. Dylan Sprouse was born on August 4, 1992, meaning he's 32 years old. So there's only a one-year age gap between them!

Stay up to date with all of Brit + Co's favorite celebrity relationships. Let us know your thoughts on Twitter!

This post has been updated.

2017's The Beguiled gave us one of the best groups of people of all time: Elle Fanning, Nicole Kidman, Sofia Coppola, and Kirsten Dunst just to name a few. And we're finally getting an Elle and Nicole reunion thanks to Apple TV+! "THRILLED to bring @rufithorpe genius hysterical heart-wrenching heartwarming book to your TV screens alongside a dream group of people!" Elle says on Instagram. Rather than having to test the success of its pilot, the series has already been ordered — even though the book it's based on isn't even out yet! Here's everything you need to know about the series.

  • Dakota and Elle Fanning will produce the upcoming Apple TV+ show Margo's Got Money Troubles.
  • The series follows Margo, who signs up for OnlyFans after learning she's pregnant.
  • The cast includes Elle Fanning, Nicole Kidman, Michelle Pfeiffer, and Nick Offerman.

Who's in the Margo's Got Money Troubles cast?

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Margo's Got Money Troubles Cast

We couldn't contain our excitement when we learned Margo's Got Money Troubles will star Nicole Kidman and Elle Fanning, but knowing Michelle Pfeiffer is also joining the cast is too much to bear! This is the first time the actress will collaborate with her husband, TV creator David E. Kelley, so we can't wait to see the magic they'll create (via Deadline).

Nick Offerman from The Last of Us and Parks and Rec will also star.

When is Margo's Got Money Troubles coming out?

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Margo's Got Money Troubles Release Date

We don't have an official release date for Elle Fanning and Nicole Kidman's TV show yet. I'm thinking if the TV show is in the early stages of planning, we could see it in 2025! Check out all of this year's best New TV Shows to hold you over until then.

What is Margo's Got Money Troubles about?

Amazon

Margo's Got Money Troubles Plot

Margo Millet is the daughter of a Hooter's waitress named Shyanne (Michelle Pfeiffer) and an ex-wrestler (via Deadline). She's always had to make it on her own, even though she's not sure how. When she enrolls in her local junior college, she's totally unprepared to get swept up into a torrid love affair with her English professor — or to get pregnant.

Now at 20 years old, Margo needs an income and fast. She decides to experiment with OnlyFans and ends up taking some of her estranged father's advice from the world of wrestling to create a character users will fall in love with. You can order the book now!

What is Elle Fanning and Nicole Kidman's new TV show?

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Margo's Got Money Troubles is coming soon to Apple TV+ thanks to a bunch of different producers. A24 is backing the film, as well as Elle and Dakota Fanning’s production company Lewellen Pictures and Nicole Kidman’s Blossom Films, to name a few.

What else has Elle Fanning and Nicole Kidman starred in?

Focus Features

Elle Fanning and Nicole Kidman starred in 2017's The Beguiled. The movie follows John McBurney, an injured Union soldier, who winds up at a female Southern boarding school after deserting the Civil War. But soon, as the women help him, tensions turn to rivalries and friends turn to enemies.

Are you excited for Elle Fanning and Nicole Kidman's TV reunion? Let us know what other New TV Shows you're watching in the comments.

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This post has been updated.