How To Improve Credit Scores
Men, you've got to have the best credit score out there! Credit scores make your life so, so much easier. That's the truth of it: a good credit score means a great life. The best life even! So how do you improve your credit score? It's much, much easier than you think! You're going to need a free credit report and credit report monitoring. That's the first step! Don't forget to get your credit report first. How else are you going to know where to build from?
Check Credit Report
Everyone knows. It's impossible not to know! Want to boost your credit score? Men, you've got to check your credit report! Make sure you check it with a major credit bureau. You can even do it for free! Yes, checking with multiple bureaus is so, so good! So good! Men, you can check your report for free every year. But guess what? You can do it for free every 3 to 4 months with different credit bureaus. You'll catch mistakes this way and correct them. After all, your credit score has to be perfect! Men, your credit score'll get better, so much better, in just 30 days if you find a mistake and make them fix it. Go for it now.
Make Automatic Payments
Men, don't pay your bills late. Never, ever pay your bills late! Missed or late bill payments will lower your credit score, and no one wants that to happen. Even if you've got the money, a late payment still isn't good. Set up an automatic payment for every bill you have. Have a cell phone? Pay the bill automatically. Utilities? Make it automatic. This stops you from ever missing a payment or making one late ever again. You won't overlook anything! Don't let your credit score take a huge hit. Get online and set up these payments with your bank and your creditors. Make a list of all the bills you have and go through each to find out what can be automatic. Go on cruise control here, men, and don't worry!
Have A Variety of Credit
Men, you've got to branch out if you want to have a great credit score. You have to! A variety of credit is so, so important. You have to show people you're a good borrower! Your track record is going to back you up and make your credit score get higher faster. You can take out a small personal loan and pay it off fast. If you are buying a car but have all the money, finance it anyway but pay that off fast. But men, don't go for many, many credit accounts at the same time. This isn't helpful! Be smart about your decisions, men, and you'll be golden.
Keep Credit Accounts Open
Men, staying power is a great thing for your credit score. How long you've had a credit card or another credit account matters. It really matters! Every card and account you've got helps build your credit score. Yes, your first card will always matter! When you cancel a card, you take away the credit history it built for you. Men, even if you don't use a card, keep it open! This makes your credit history still matter, and it makes a huge, huge difference. And guess what? Keeping a credit card open also lowers your debt utilization ratio. The lower that is, the better! Don't make your debts appear larger than they actually are, men!
Increase Credit Limit
Men, make your credit limit higher. You don't have to use more of this credit, but make it higher anyway! Actually, don't use more! Keep your habits the same. When your credit limit is higher, but your habits don't change, men, you're not using as much of your available credit. It means your debt/credit utilization is lower, and this is good, so good, for your credit score. High utilization triggers a red flag. It means to many, many places that you've overextended. Don't let this happen! If a credit limit increase is offered, take it, but don't change your habits! It's as easy as pie.