How To Raise and Improve Your Credit Score | Fast Ways To Improve Credit Score


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How To Raise and Improve Your Credit Score

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Home > Improve Credit Report Articles

We are going to list some simple ways and tips on how to raise and improve your credit score

Your credit score is used by lenders to determine how much money they can lend you and if they do lend you money how much interest can they charge you. A great credit score is 720. If your credit score is 720 and you apply for a loan and get approved then you can save tens of thousands of dollars over the life of the loan.

For example;

If you have excellent credit and get approved for a car loan for $25,000 dollars with a APR of just 5% for five years, your monthly payment will be $575.73.

If you have poor credit and get approved for a car loan for $25,000 dollars with a APR of 12% then your monthly car loan payment would be $658.35.

The difference between the two car loan amounts is huge over a four year time period. If you had good credit you could have saved yourself $3965.76 but don't worry about that. We're here to help you with your bad credit problems.

Improving your credit score takes time but we've outlined a few tips below inorder for you to improve as fast as you can.

The first thing you should do is check your credit score online. Depending on what site you visit this can cost approx. $10.00 - $15.00 dollars.

See how far you are some the great score of 720.

Get your free credit history from The top three credit bureaus are Experian, Transunion and Equifax. These three credit bureaus are required by the governement to give you a copy of your credit history. We strongly suggest you examine this history and see if any mistakes have been made.

Pay off as many outstanding debts as possible. We understand this is the most diffucult part but it's the most important for your financial future. If you do this you'll be able to save thousands of dollars on your next loan. It dosent matter what type of loan, car, home mortgage, insurance rates, etc ....

Don't throw away old credit cards.

Try and piggyback on someone with good credit. If a family member has good credit try and convince them to add you as aa user of there credit card. Please be careful with this tip because the lenders are starting to notice more and more people are abusing this loophole and lenders are starting to crack down on it.

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