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| 5 Tips to Improve Your Credit Score |
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5 Tips to Improve Your Credit Score
further ado, here are the top 5 tips for improving your credit score:
1. Pay your bills on time. If you pay late, then your bill shows up in a special area called "Adverse Accounts" and it lists what month you were late and how late you were. Think its OK, it only happened 3 years ago. . .wrong. They keep the list for 7 years. Yes, seven. Paying your bills on time can raise your score as much as 20 points just in one month.
2. Keep you credit card balances low. Maxing out your credit cards can lower your credit score by 70 points.
3. Don't open any credit cards you don't need. New accounts lower your credit score by an average of 10 points.
4. Have credit cards. Yes, you must have an installment type loan and its OK. Just pay it on time. If you have no credit cards or no installment loans, you tend to be a higher risk.
5. Closed accounts don't go away. Believe me. I just checked my credit report and some old stuff is still on there. Real old stuff.
Hope this information helped you get your bills in order.
About the Author
Stuart
http://www.improve-my-credit-report.com
http://www.debt-counseling-recovery.com
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| Category
bad credit,loan and insurance |
Author
David Gabbitas |
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