Improving your credit score may be one of your key financial goals. A good credit score opens doors to better loan rates, more favorable credit card terms, and even job opportunities. If you’re looking to give your score a boost this February, here are three smart ways to take charge of your credit and make positive changes that can pay off in the long run. Plus, we'll touch on recent changes from the Trump administration that might affect your strategy.

March offers a perfect reset: use this month’s financial guide to “spring clean” your finances—review your budget, track spending, consolidate accounts, check your credit report, and negotiate bills. Also, start or grow your emergency fund by automating savings, exploring high-yield accounts, and cutting discretionary costs. Small actions now build resilience for whatever comes next.