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Improve Your Credit Score

Everyone makes mistakes from time to time. Have your mistakes caused you to have bad credit, and a low credit score? This is unfortunate, but it is not “the end of the world”. There are things that you can do to improve your credit score. Try some of these tips!

Find out what your credit score is. It will be a number between 300 and 800, and the higher numbers indicate better scores. Each loan company may have a different number in mind that they consider to be “good” credit. What is your number? Your bank or credit card company may offer to check your credit score for you. Shop around, and choose a reliable source. Once you know your number, you will know how good or bad your credit is.

Start paying all your bills on time. Perhaps all those late payments you made are the reason why your credit is bad. To improve your credit, start today by paying all of your bills on time. If you never had a late payment, and your credit score is mediocre, paying all your bills on time can also improve your credit score. Make sure you pay everything off before the grace period ends. It takes seven years to remove a late payment from your credit score. Start building a much better credit history right now!

Keep you oldest credit cards active. Do not close them! Part of getting a good credit score is establishing a long credit history. If you haven’t used your oldest card in a while, now is the time to make a small purchase with it. Then, pay it off completely as soon as possible. Another good idea is to start making small purchases on several of your oldest credit cards, as a way of spreading out your credit. Of course, you must pay those purchases off completely, and on time, as well.

Don’t max out your credit cards. Work on paying down the ones that are maxed out. This can improve your credit card because you will end up with less debt once you pay off these high balances.

Realize that improving your credit score cannot be done as a “quick fix”. The only way to have a good credit score is to establish a history of responsible behavior when it comes to your credit and debts.