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Improving
Your Credit
Your credit score can have a bigger impact on your life than you know. Most people are aware that your credit score helps lenders decide whether to give you that mortgage or car loan, but did you know that it also might be the reason you miss out on a job or don’t get the apartment you wanted?
These days, more and more people are using your credit score to help make major decisions that may affect your life. Those people could include potential employers and landlords who check your credit as part of a background check. Your credit score also determines the interest rate you’re offered on mortgages, credit cards and car loans. Having a low credit score can cost you money every single month.
Luckily, there are ways to improve your credit. Here are five tips from money experts on how to improve your credit.
Get your credit report and check it regularly.
You can’t fix what’s wrong with your credit report if you don’t know what’s wrong. You’re entitled to get a free copy of your credit report from each of the three major credit reporting agencies once a year. Many experts suggest staggering your requests so that you get your credit report from one of the three agencies every four months or so. It will help you catch potential credit problems – and identity theft – early. You’re also entitled to a copy of your credit report for free whenever you’re turned down for a credit card or loan request.
Correct any errors on your credit report.
The credit reporting agencies are obligated to remove false information from your credit report once they are notified of it. You should look for errors like late payments that were actually made on time, accounts reported as delinquent that are under dispute, debts you’ve paid off that are shown as outstanding or accounts that aren’t yours. If you find any, notify the credit reporting agency immediately.
Start paying your bills on time every time.
The one sure fire guaranteed way to improve your credit is to pay your accounts on time every month. Your most recent credit history will always count more than ancient history. The more on time payments you put between you and your poor credit marks, the better off you’ll be.
Pay down your credit cards.
Next to late payments, the most damaging thing on your credit report is high credit card balances. Ideally, you want to keep your credit card balances at or below 30% of their credit limits.
Get a secured credit card.
If you need to rebuild your credit by paying bills on time, but can’t get anyone to extend credit to you, a secured credit card could be the solution. In order to repair your credit, you need to show that you can handle credit and make your bill payments on time. Since secured credit cards are a popular way of improving credit, many of the companies that issue them guarantee reporting your payments every month.
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Allied Debt Consolidation
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