Tag Archives: Scores…

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Better Credit Scores – 7 Tips

Credit scores are the equivalent of a financial report card. There is no way to avoid having credit scores since the Big Three consumer reporting agencies – Equifax, Trans Union, and Experian – keep tabs on your credit situation daily. These agencies then report your scores to any lender who requests it.

A credit score is also called a FICO score. If you have a low credit scores you could be turned down for home or auto loans. Your low score can also actually contribute toward your financial woes since it usually means higher monthly payments on any money you borrow.

There is hope, however! By taking the right steps, you can improve your credit scores significantly. Here are 7 tips for improving your credit scores.

Tip #1: Check your latest credit reports from each of the Big Three bureaus:

The first step toward better credit scores is to find out your current score from each of the Big Three consumer reporting bureaus. You can find a number of Web sites that give you access to this information for FREE. To find one, run a search in your favorite search engine using the keywords free credit report.

Tip #2: Immediately correct any blatant mistakes:

Download and review each report item by item, circling any blatant errors you find. Of particular importance are inaccurate unpaid balance flags, the existence of credit accounts that you never opened, and incorrect information concerning your current address. You must take each of these mistakes quite seriously and address them to both the relevant credit agency and, when applicable, the lender in question.

Tip #3: Pay your bills on time:

This is a common sense item, but people having credit problems often neglect it due to the snowballing nature of their debt situation. Paying your bills on time is very important, and nowadays even utility companies are reporting your payment history to the credit agencies. Hint: to improve your score even more, make your monthly credit card payments before the end of the statement period. This has the positive effect of keeping any charges made that month from even showing up as a balance on your cards, thereby improving your ongoing debt-to-credit limit ratio (see Tip#4).

Tip #4: Improve your debt-to-credit limit ratio:

In calculating your credit worthiness, the Big Three credit agencies factor in heavily your debt-to-credit limit ratio. As the term implies, this ratio is simply the result of dividing your total current credit card debt by the total credit limit across all of your cards. The ratio is always a number between 0 and 1, with numbers below 0.5 being most favorable. There are two ways to reduce your debt-to-credit limit ratio. One way is to simply reduce your credit card balances by paying them down. Another option that many people fail to consider: request an increase in credit limit from your creditors.

Tip #5: Pay off debt, don’t just move it around:

While it can be a smart move to transfer debt from your higher interest credit cards to your lower interest cards, this does not substitute for actually paying down your overall debt. Just moving your debt from card to card is not going to improve your score.

Tip #6: Avoid closing credit cards just prior to a loan application:

Some people believe that closing out some of their credit cards immediately prior to applying for a loan is a good idea. However, this is not true. On the contrary, it has the effect of suddenly increasing your debt-to-credit limit ratio, which is a credit score no-no. In fact, as long as you have the will power to use your credit cards wisely, it can be a good idea to keep multiple cards. Then, use these additional cards from time to time, charging small amounts and then quickly paying them off. This reflects positively in your credit scores as your having a healthy ability to manage your debt.

Tip #7: Understand the influence that bankruptcy has on your score:

As a final note, beware that having declared bankruptcy in the past can make it especially hard to achieve better credit scores. Bankruptcies can stay on your credit report for 7 to 10 years.

A 50-point improvement in your FICO score could save you ,000s in annual debt payments. Improve your score by up to 249 points in 90 days with the Credit Secrets Bible: www.Success-Junky.com

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Credit Scores Explained

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3 Things You Might Not Know About Credit Scores

Credit ratings seem quick, right? Just three numbers that see whether you can get a charge card (https://www.credit.com/credit-cards/?utm_source=youtubechannel&utm_medium=content&utm_content=IB_1&utm_campaign=know_credit_scores), mortgage, apartment rent, car loan plus. But there are some things the Average Joe or Jane cannot know about fico scores. Here are a few ideas.

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This site will also give you tips so that you can increase your 3 credit scores nice and high so that you can become approved for any loan and have the lenders begging for your business!

Did you know?

Getting your credit checked by a bank or a lending institution
will damage your scores. You will lose several points each time
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But…

By pulling your credit scores yourself, you will not lose any points.

Checking your own credit history does not affect your score!

Why you need to check your credit score:

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Identity Theft Since Millions of People are victims of Identity Theft!
To Know Where You Stand So You Can Increase Your Scores.

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Money Matters: Ways to Improve my Credit Scores

For those who are unfamiliar with what credit scores are these are ratings given by lenders to borrowers in terms of how much a credit risk they are. If a borrower is too much of a credit risk, they receive very low scores. What is the effect of these credit scores? As a borrower with low credit scores, you will have a harder time getting that loan or credit card application approved. If granted, you end up with higher interest rates and not so attractive payment terms. On the other hand, if you have high credit scores loan and credit card applications are approved faster. Credit lines are extended to you much more freely. You receive low interest rates and better payment schemes.

What are the ways to improve my credit scores? You are probably asking yourself that question. Well here are a few suggestions:

1. Pay on time! If you can, pay a little over than what is due. Little overpayments are carried over to your next bill payment. It helps that by paying on time and a little over your amount due, your next billing statement will show an amount that is lesser than the previous one. Some lending institutions or companies offer discounts if you pay early or on time. This could save you a lot of money in payments in the future.

2. Budget wisely. Make a weekly or monthly budget of your earnings and expenses. Make sure you set aside ample amounts for savings and bill payments. Failing to make a budget causes unnecessary expenses. If you budget your money wisely you will live comfortably and have little less worry about unpaid bills. Remember to stick to your budget!

3. Arrange a payment scheme with your credits so that you can pay what you can afford and pay it on time. Interest rates and payment terms are negotiable. You can always renegotiate with your creditors if you are having a hard time paying for your dues with your current loan agreements.

4. Avoid getting additional credit if it’s not necessary. Getting another loan to pay for a previous one could be the biggest mistake of your life. Creditors always look into your financial history. If they see that you miss out on your previous loan payments they will think twice before giving you a new one. It is wiser to settle all previous obligations first before getting a new one. That way you improve your credit scores and the chances of you getting a new loan application approved will be higher.

5. Review your credit reports every so often. It won’t cost you anything or will it hurt your credit scores if you do a constant review of your credit report. Reviewing your credit report will give you a better understanding of your financial status. It makes you aware if you are overspending or overpaying. There may be details in your report that needs to be updated or corrected. Inconsistencies in your report may show you that your credit line may be fraudulently used by an identity thief and credit purchases made against your name will greatly affect your credit standing. Report these inconsistencies immediately to the authorities.

These are my 5 ways to improve my credit scores. Follow these to the letter and you will have higher credit scores!

For more advice on how to improve your credit score, go to CreditScoreBooster.com. Let the experts show you how to raise your credit scores.

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How to Build or Rebuild Credit Scores – Credit Expert Tutorial

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Tune in, I’m sure there are a lot of “Credit Experts” out right here on YouTube. I experienced credit dilemmas myself and had a need to develop and reconstruct my own credit scores, so I looked to these individuals on YouTube just who ripped me personally down, taught me personally nonsense and tried to move me to these SHADY “LAW COMPANY CREDIT FIX” locations. And so I took it upon myself to mentor using the top credit experts and learn to REALLY build your credit, in the correct manner.

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00:22 – 1: Whether you’re attempting to build or reconstruct your credit the steps tend to be nearly exactly the same. First thing that I recommend you do is look at your credit you’ve got to know precisely what is on there. You can easily check-out our internet site; https://www.BetterCreditGuaranteed.com and then click “Get Started” and it’ll provide a hyperlink to check your credit and schedule a free of charge consultation with me.

00:43 – 2: I recommend that you get a checking and a savings, with a credit union. Credit unions tend to be not-for-profit and truth be told there a lot more lenient using their financing than Finance companies.

00:59 – step three: Authorized User Account – we highly recommend that you have a friend or a family member add that their particular credit card as an official user. Here is the connect to find out more about these records and precisely how to get one in the correct manner: https://www.BetterCreditGuaranteed.com/authorized-user-tradeline/

01:18 – step: Apply for a secured charge card with your credit union. A secured bank card is where you put cash into a savings account – in the event that you put 0 into a savings account, the lender offers a charge card with a 0 borrowing limit. It’s labeled as a secured card because having your money in a savings account is providing the lender or credit union security, just in case you standard.

01:45 – action 5: submit an application for a secured loan with your credit union. This might be slightly different than a secured charge card, you’ll be placing finances into a CD, a certificate of deposit. You’re technically borrowing funds from your self. My credit union only charges me 1% interest for secured loans.

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Now you learn how to Build or Rebuild your credit scores. If only you much success and thank-you for viewing!

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