6 Tips to Raise Your Credit
- Author Jennifer Quilter
- Published November 14, 2011
- Word count 517
There's always something more you can do for the good of your credit rating. These tips to raise your credit are a mix of things you can do right now quickly to make a small push, and things you can do that will raise your score over time. Having good credit practices on a daily basis is going to be what keeps you from falling into a lower range and undoing your hard efforts, but even with that everyone can always do something a little extra to push themselves up a bit further.
-
Any credit improvement strategies are going to begin with getting a copy of your report and understanding what you are seeing, so this is your first step and your first tip. Get a copy of your report, and understand what you are seeing!
-
Your next tip is to fix errors on your report. This can include incorrectly marked credit limits, missed payments, or things that are marked correctly but are over seven years old because they should have fallen off your report. To have any of these errors fixed call the companies and get things changed—this may take several phone calls and/or a written letter. Make sure to keep on it until you see it come off.
-
You can write and ask for a goodwill adjustment on some of your past mistakes. It doesn't hurt to try. What this is, is when you have an old late payment on an account that you have always paid on time since then, you can write to the company and ask for a goodwill adjustment while pointing out that you have been good about your payments and such since then. They may not do it, but it can't hurt!
-
One of the major factors that affect your rating is the amount of credit available to you versus the amount you are using. There are two different things you can do with that information to improve things. The first is to call and ask your card company to raise your limit! This can't hurt, as long as you don't take this as license to start spending a lot more.
-
The next thing you can do on this note is to pay down your card balances. This is always going to be a good thing to do. As a general practice you want to use less than thirty percent of your limit and pay it off in full each month.
-
Dusting off an old card that you haven't used in a while can help age your report. The age of your credit is a smaller factor that many others, but can really help boost you up if all of your other accounts are newer. If you can develop an older history it shows that you've had good practices for a longer period of time and your rating gets a considerable boost.
Hopefully these tips have helped you learn more about what things have an affect on your score and have given you ideas on things you can do to help you get to a good place financially.
Knowing more about what the numbers actually mean can help you decide how to improve. Check out the Credit Rating Scale so that you know more, and get answers about thecredit score ranges.
Article source: https://articlebiz.comRate article
Article comments
There are no posted comments.
Related articles
- The 24-290 mm Paradox: Why a 12× Zoom from 2001 Still Outresolves Today’s 8K Sensors
- The Power of Ketosis: Unlocking Your Body’s Hidden Energy Source.
- Navy Veteran With Dementia Found Dead in Assisted Living Freezer!
- Fueling the Future: Why Ketosis Is the Key to Lasting Energy and Metabolic Health.
- The Genetic Stew
- Common challenges in IT modernization
- Naka Solutions Reviews: Innovation, Quality Service, and Trader Trust
- The Style Upgrade: Why Coretec Floors Outshine Traditional Vinyl
- Ketosis Unlocked: The Science Behind Your Body’s Natural Fat-Burning State.
- Luxury Morocco Shore Excursions: Discover Authentic Beauty in Comfort and Style
- The Silent Disruptor: Understanding How Thyroid Imbalance Affects Your Body.
- Fehmi Lights Inc. & Fehmi Lites Manufacturing Co. – Shaping the Future of Illumination
- Thyroid and Hormone Harmony: The Delicate Balance That Shapes Your Health.
- Discover Morocco with Face Tours: Authentic Journeys Across the Kingdom
- The Thyroid Connection: How This Small Gland Controls Big Changes in Your Body.
- Morocco: The Rising Star of African Tourism — A Journey Through Culture, Desert, and Hospitality
- The Hidden Power of the Thyroid: Why This Tiny Gland Shapes Your Entire Health.
- The Thyroid Explained: Understanding the Silent Regulator of Health.
- Local Guide for Giles County and Pulaski, TN Real Estate Market
- Warts and Your Health: Why Ignoring Them Can Lead to Bigger Problems.
- The Hidden Dangers of Excess Weight: Why Your Health Can’t Afford to Wait.
- Exercise is Medicine
- The 100 mm Paradox: Why the “Boring” Focal Length Is Quietly Becoming the Most Dangerous Tool on Set
- The Invisible Science Behind the "Natural" Look: How Modern Optics Quietly Rewrite Cinematic Language
- Sustainable Weight Loss Made Simple: Unlocking the Secrets of a Healthier You.
- Clear Skin Ahead: Understanding Warts and How to Remove Them Safely.
- Ask AI: The Revolutionary Domain That's Reshaping How We Access Intelligence
- The Story of the Illuminati and the Birth of a Modern Myth
- From Prototype To Mass Production: A Step‑By‑Step Guide For Launching Plastic Parts Via Injection Moulding
- From Concept To Operating Room: The Role Of CNC Machining In Developing Surgical Tools