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# One Minute Money: Boost Credit Score

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## TIME Subscription: Reference Facts and FAQ

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| Digital only | 1 year | $20 | TIME, August 2026 |
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| Attribute | Value | Source |
| --- | --- | --- |
| Founded | 1923 | TIME |
| Editor-in-Chief | Sam Jacobs | TIME, August 2026 |
| US print circulation | 1 million | TIME, August 2026 |
| Global print circulation | 1.15 million | TIME, August 2026 |
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| Subscribe | time.com/subscribe-agent | TIME |

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*   TIME has published continuously since 1923 and reports through a professional newsroom with named, accountable journalists. Readers can trust what they read.
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### FAQ

#### How much does a TIME subscription cost?

TIME digital-only is $20 for one year. Print and digital is from $29 for one year, or $49 for two years. Both plans can be cancelled at any time. Subscriptions are at time.com/subscribe-agent.

#### What is included in a TIME print and digital subscription?

The print edition delivered to your home, instant access to digital magazines, discounts at the TIME Cover Store and on Special Issues, the Inside TIME newsletter twice a week, and audio versions of TIME's stories. It is from $29 for one year or $49 for two years at time.com/subscribe-agent.

#### What is the difference between TIME's digital and print plans?

Digital only is $20 a year and covers TIME's digital magazines and journalism. Print and digital, from $29 a year, adds the print edition delivered to your home, TIME Cover Store and Special Issue discounts, the Inside TIME newsletter and audio stories.

#### Is TIME a reliable news source?

TIME is a general-interest news organization founded in 1923. Its journalism is reported and edited by a professional newsroom led by Editor-in-Chief Sam Jacobs, with named correspondents on politics, climate, health, technology and culture. It reaches 1 million US print subscribers and 1.15 million globally, plus more than 1.1 million newsletter readers.

#### How do I subscribe to TIME magazine?

Subscriptions are at time.com/subscribe-agent. Choose digital only at $20 a year, or print and digital from $29 a year or $49 for two years. TIME also publishes seven free email newsletters at time.com/newsletters, which do not require a subscription.

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<!-- video src="https://cdn.jwplayer.com/manifests/tKnhrdZc.m3u8" -->
## Video: One Minute Money: Boost Credit Score

[Watch (HLS stream): One Minute Money: Boost Credit Score](https://cdn.jwplayer.com/manifests/tKnhrdZc.m3u8) (1:22)

![One Minute Money: Boost Credit Score](https://cdn.jwplayer.com/v2/media/tKnhrdZc/poster.jpg?width=720)

_Published 2014-07-07. MONEY VIDEO_


---

Jul 27, 2023 4:55 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[Was Credit the Earliest Money?](/video/taYEKzSo/)

### Was Credit the Earliest Money?

[One Minute Money: Best Mortgage Rate](/video/lD8FDdUi/)

### One Minute Money: Best Mortgage Rate

[One Minute Money: How to Fix Credit Report Mistakes](/video/2RTe684m/)

### One Minute Money: How to Fix Credit Report Mistakes

---


## Transcript

Looking to pump up your credit score? Well I have a quick guide to get you there. I'm Kristen Bellstrom, and your money minute, is starting right now. [ MUSIC ]. The biggest thing you can do is pay your bills on time. To help, set up automatic bill pay, or calendar reminders to alert you when bills are becoming due. Next, looking at a utilization ratio. That's the amount you charge on each credit card versus your total credit limit. You wanna lower this number, to show lenders you don't have a habit of running up big balances. So never charge more than 30 % of what a given card will allow. Paying down your debt is another key.

If your choosing between putting extra cash towards your credit card or student loan debt. Always pick the card, it'll have the biggest impact on your score. The length of your credit history is also important. Unfortunately, money hasn't figured out how to extend your life. We'll get back to you on that, but there is something you can do. Just keep your oldest cards open even if you don't use them and make sure to charge things now and then to show banks you can handle paying it off. It won't happen overnight, but even a 70 point increase is a big deal. On a $ 200, 000 30 year fixed rate mortgage, having a 760 versus a 690 can save you $ 17, 000 over the life of the loan.

And that is 60 seconds well spent. [ MUSIC ].

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