The new year is your year to increase your credit score—2019 is time to finally make the change. This isn’t the time to strive for perfection that you can’t reach, but you can at the very least work toward increasing your score.

Here are a few reasons why you should try to get your credit score higher.

1. You’ll get better rates for loans.
2. You’ll be eligible for the top credit cards.
3. You can lower your security deposits.

Image via Consumer Reports.