How Much Sleep Does A 3 1/2 Year Old Need 4 Quick Tips to Improve Your Credit

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4 Quick Tips to Improve Your Credit

Credit scores. It can be one of those touchy subjects depending on how you look at it. It can take years to accumulate points and only months to destroy. We have all suffered credit failures; from forgetting a payment to using up your entire credit. Sometimes bad scores can be caused by something out of our control – divorce, medical bills, bankruptcy. Simply put, maintaining your credit is a way of life. Since nearly all large purchases require credit, a low score makes everything more expensive. You will have to pay higher interest on the loans over time.

Points are used to demonstrate credit history, timely payments, responsibility and discipline. A low credit score will naturally improve over time, so don’t lose sleep over it. However, if you have equipment financing or leasing needs in the near future. It would be wise to try to raise your score beforehand. It can be the deciding factor between getting to the next level and saving money.

Let’s be realistic. There is no miracle method to increase your credit score by 100 points in a month. Some credit repair “experts” will try to trick you into believing that this can be done, but it is simply impossible. You hear it in the commercials all the time – “1-2% APR on excellent credit”, but you’re never sure what excellent credit is. Let’s break it down, there are 4 levels of credit.

Level 1 (excellent credit): 700 and above

Level 2 (good credit): 660-699

Level 3 (reasonable credit): 620-659

Level 4 (bad credit): 619 and below

Credit scores

Tier 1 and 2 usually get the best prices. Level 4 is usually the hardest to get approved. Even if you have a level 3 score, it is still recommended to try to improve your score. It is an important part of your life and business. If you are a newer business without cash flow statements, getting financing can be difficult. Many lenders use your score to evaluate you. That’s why it’s important to improve your credit score whenever you can.

Here are our top 4 chances to improve your credit score fast. The improvement can be anywhere between 10 points and 40 points, which should be enough to boost your credit score. Note: These are quick tips to increase your score. We’ll have a more comprehensive guide to maintaining your credit later.

Dispute the negative points – we get it. Sometimes it’s hard to pay bills on time. Between juggling your business and your family, sometimes paying a bill slips your mind. There are three major credit reporting agencies: TransUnion, Equifax, and Experian. Your credit score for all of them will vary slightly. Contact them and dispute what you can. Write as much as you can with your argument and copy everything.

NOTE: Take your time and be thorough – this can have a huge impact on your score.

Open a new secured credit card – According to Credit Karma: People with credit scores of 800 or higher usually have 7 open credit cards. Even if you don’t want to open more than 1 per year, 7 is just a guideline. No matter how bad your credit score is, you can still get approved for a secured credit card. Secured credit cards are the best way to restore your credit. You have to put down a deposit, but the lender will give you a credit limit. To choose a good secured credit card, we use this guide from Magnify Money.

NOTE: You want to keep your credit utilization under 30%, so track your utilization accordingly. Only open one credit card, as doing more than one can hurt your points.

Increase your credit limits – Call your existing card companies and ask to increase your limit. If your credit utilization rate is not 100%, it is useful to increase your limits. Even if it’s just a 10% increase, it helps report your overall health.

Become an authorized user – this is a little more difficult to do. You need someone with good credit. They will add you to their existing credit card accounts. You get a card that is linked to their account and responsible for the payments used. Family members and close friends are the people you ask. It’s understandable that it’s hard to get someone to add you, so don’t take it personally. Becoming an authorized user can increase your points by up to 50 points!

TIP: Do not use the card when you are added. Shred it so you’re not tempted.

Utilizing your credit is important to get the most out of your money. Hopefully these four hacks will give you the results boost you need. The usual advice applies, don’t overspend with your new increased credit limits and pay your bills on time! Many people have had success using the automatic payment feature to eliminate late payments. Feel free to contact us and tell us how this has benefited you!

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