How to Improve Your Credit Rating on
Your Own
If your credit is less than perfect, don't lose hope. Improving
your credit rating on your own is not an impossible task. Here
are a few things you can do to boost your rating…
Know What’s on Your Credit Report
Knowing what collections and accounts you have on your credit
report is the first step to improving it. Oftentimes a credit
bureau can have wrong information about an account or may even
list accounts or collections that don't belong to you.
Clearing
up these blemishes and errors will boost your rating.
Make Payments on Time
Stay clear of letting bills and loan payments go past due. Late
payments and collections bring down a credit score. Get
organized and make your payments on time. Using money organizing
software or an online bill service is a good way to ensure
timely payments.
Watch your Credit Limits
Keeping high balances on your credit cards increase your debt
ratios and move credit ratings in a negative direction. Try
giving yourself a spending limit for your credit cards of no
more than half the limit each month and use cash for the rest of
your purchases.
Healing your credit takes time and effort but in the long run is
definitely worth the investment.
Our Recommended Credit Report Companies:
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