Having a great credit score can help you get any kind of loan or borrow money. Sometimes it even helps speak to your character if you were to apply for a position of some kind, perhaps to rent a house or secure a job interview. If you are on the hunt for getting that credit score up North of 600 or even more with some focused credit repair, we hope you can learn from this article on how to improve your credit score.
Building credit is mostly a waiting game while not making any mistakes, but some companies can help you speed the process along. We recommend www.nationalcreditcare.com as our mortgage partners have had success with their clients using these services. NCC will even schedule a free consultation for you!
If you are more interested in the “Do-It-Yourself” DIY route, this how to repair your credit score article by the TN Credit Union sums it up quite fantastically. I’ll summarize their points below. Follow these and you may see a 50-point score increase in the next 12 months, especially if you are in the 400s range!
- Pay those bills on time, consistently!
- Use less than 30% of your credit limits at any given time.
- Don’t apply for credit multiple times in a short period of time.
- Don’t carry a balance on your credit card. Pay it off every month.
- Check your reports regularly (at least once a year), and dispute any errors immediately! The federally-authorized source for this is www.annualcreditreport.com.