mooer5ek4
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 Wysłany: Sob 10:15, 21 Maj 2011 Temat postu: New Air Jordans How to Improve your Credit Score |
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The first step to improving your credit score is knowing what it is. That may seem so fundamental as to go without saying, but there are a surprising number of people who don’t know their credit score and who may be afraid to find out. But defining a problem is the first step toward solving it, so if the problem is wishing you had a higher credit score, you need to find out exactly what you’re working with first.
There are a few things you should avoid doing in order to keep your credit scores healthy. The main one is to avoid making late payments. This hurts good scores more than bad ones. You may be able to get a creditor to erase a single, isolated late payment from your credit report if it’s clear that otherwise you pay on time. It can’t hurt to ask if [link widoczny dla zalogowanych], for example you forgot a payment due to a family emergency or other reasonable excuse.
All these actions toward improving your credit score are most effective if your score is less than 700. Once you’re getting close to 750, these actions can still help, but to a less noticeable extent.
While consolidating your credit cards may seem helpful, it actually can hurt your credit score. Usually it is better to have a few cards with small balances than one or two cards with big balances.
Ensure that your credit card limits are accurately reported to the credit bureaus. If the bureau thinks you have a lower limit than you actually have, your score might be artificially low. Credit card issuers usually update this information quickly if you ask.
You can get your credit score for free once a year from each of the big three credit reporting bureaus. The Federal Trade Commission’s website tells you exactly how to request your scores at debt.
When it comes to using debt all the time. You can usually improve your credit score by keeping your charges to 30% or less of the card’s limit. This isn’t a quick fix, however, but for the long-term.
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