How do you improve your credit score?
Can anyone suggest tips or strategies to improve one's credit score?
The biggest thing is to use credit wisely. If you don't use credit at all you will score low even if you are financially strong.
But things like buying a car or some other big ticket item and making all of your payments on-time helps a great deal.
Using credit cards and demonstrating that you can keep up your payments also helps, even if you pay off everything in 30 days to avoid the interest.
What will kill your credit scores is making late payments. These days it is also a bad thing to be carrying too much debt to income ratios. Even though it seems like it is what creditors want, since they will keep raising your limits.
But high limits don't equal high credit scores.
by Karina S. 7 years ago
Do you know how to improve your credit score?
by Kevin J Timothy 11 months ago
How do you establish credit?Preferably, how to improve credit score without the use of credit cards.
by Davinagirl3 7 years ago
My husband and I are looking to buy a house in the upcoming year. We have run into some trouble looking for a lender because our credit is, for lack of a better term, crap! I am looking for ideas on how to raise our scores. We pay our bills on time, so that isn't the...
by igorskynyc 7 years ago
Igorskynyc.....take this entire forum post and copy and paste into a hub. That's hub material.
by CWanamaker 5 years ago
What's the best strategy to improve your credit score when you have high credit utilization?Do you consolidate debt with a personal loan, open a new credit card and apply for a balance transfer for a portion of your debt, or do you simply focus on paying down your credit cards?
by ishitha 20 months ago
Hi, I am Ishitha Nupur i want to improve my credit score to get personal loan. Please suggest me
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