It is not hard to repair your credit score. There are only few things keep those in mind as you work toward a better credit score. Here are some tips to repair your credit score:
Get Your Credit Reports:
First and very important step is to get free copies of your credit report from three credit bureaus Experian, Equifax, and TransUnion. Everyone in USA is allowed to access one free copy of credit report from all three main bureaus for free. For this you need to go either www.annualcreditreport.com or www.freecreditreport.com. Once you get your credit report then check it for errors if any. If you find any errors on any of your report, dispute them with the credit bureau.Close Credit Cards Carefully:
Opening credit card accounts can never help your credit score. But if you already opened accounts then do not close them as closing your accounts makes the situation adverse. Closing credit cards can hurt your credit score.Keep Your Balance Low:
If you really want to boost up your credit score then do not keep your balances high on cards. Keep balance only 20-30% of the limit. Balances on your cards can move your scores up to 150 points.Pay Your Bills on Time:
Pay your all bills before due date. 35% of your credit score depend upon your payment history. Set up payment reminders to make all your payments on time. You can also consider enrolling in automatic payment through your credit card.Learn What Things Hurt and Make Your Credit Score:
Learn what things have negative effects on your credit report so that you can avoid making these mistakes. You should also know what things make up your credit score so that you can build a good score. There are main five factors 35% of payment history, 30% amounts you owed, 15% length of credit history, 10% new credit, 10% types of credit.If your credit score is good, it is easy to get mortgage on a new home, credit, auto loan and cell phone contract. You can keep those things in mind to maintain a good credit score, but if your credit score is bad you are advised to consult a credit repair company. They will repair your credit in a day as they are experts and they will also tell you how to keep your score good. They can make a very good future plan of your credit cards so that you can use in a proper way to maintain a good score.
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