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Rich people know that credit scores are not how good you are with money scores. They're how well you can play by the rules scores. And I'm Vivian Yerich BFF in your favorite Wall Street Curly, who's going to give you three secret tips that rich people love to use to raise their credit scores. One, call your credit card company and ask for a credit limit increase. Credit utilization is how much credit you use divided by how much credit you have access to. If you can't decrease the amount you need to use, increase how much you're able to access. Do this every 12 months. Two, make sure your on-time rent payments are being reported to credit bureaus. You better bet that if anything negative happens, it's hitting your credit report. But a lot of the positive stuff doesn't because your landlord's not incentivized to report it. But brands like built rental karma and rent reporters can help with this. Three, never close your oldest credit card. Don't care if it's the rinkiest, dinkiest card ever, don't close it. This is likely your longest form of credit history, so you need to keep it open. And if you want to change the card, you can always consider upgrading or downgrading instead. Finance doesn't have to be complicated once you know the rules. Follow for more.