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Tips on Improving Credit

     If your credit score is less than perfect, there are ways in which you could improve them without too much trouble on your part. Since 65% of your credit is focused on your payment history and the amount of debt you owe, this is the first place to start. Then other little tidbits could help as well. Follow these steps to improve your weak credit score:

  1. Don’t overdo the credit cards. In order to show yourself as a reliable payee, you must have at least one credit agency that you regularly pay to. This doesn’t mean that the more credit cards you have the more reliable you look. If you have too many, credit scoring companies see you as risky. Also, if you have any lines of credit open that you don’t use, close them.
  1. Pay on time. Especially your mortgage. If you don’t do anything else do this. Paying all your bills on time proves you are a responsible consumer. It is simple common sense. Missing payments or paying late is the quickest way to lowering your credit score. Never do this!
  1. Choose your co-borrowers wisely. When creditors look at your credit score they take into consideration the credit of others that you have a joint bank account or loan with. With that in mind don’t co-sign anything with someone you know isn’t financially sound. Also, if you have a divorce in the past, make sure all joint accounts are closed and your ex’s details are removed from your credit history.
  1. Pay off old debts. Old county court judgments from unpaid bills look very bad on your credit report. Make sure you settle all judgments and inform the credit agencies as soon as they are settled.
  1. Research under the radar. When looking for possible credit cards or comparing loans make sure you aren’t giving out your information. Otherwise companies will start checking your credit history too often. Too many of these checks on your report in a short amount of time look dangerous to potential lenders.
  1. Be honest. Never lie on a credit application. Fraudulence and inconsistencies on your credit history is detrimental to your credit score. Nobody wants to lend to someone proved to be untrustworthy.
  1. Register to vote. This is one area where many fail to consider as a way to improve their credit score. Registering to vote helps credit companies protect themselves against fraud or identity theft since they know you are who you say you are. If you don’t keep up to date every year and keep your address current, creditors will not likely lend to you. Register here at:
  1. Beware of identity theft. Regularly check your credit report to make sure that all information is accurate and nothing you didn’t authorize is there. Identity theft is increasing rapidly in the last decade and is only getting worse. To find a way to protect yourself visit:

If for any reason you are denied credit, the lender should tell you why you were denied. Use this information to know how to improve your credit score. Also, whenever you are denied credit, you are eligible for a free credit report under law. Even if you aren’t denied credit, every year you are eligible for a free credit report. Get your free credit report at



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