Реклама. ООО «ЛитРес», ИНН: 7719571260.
Table of Contents
Introduction
The Basics
Tip #1: Understand where credit scores come from
Tip #2: Keep the contact information for credit bureaus handy
Tip #3: Develop an action plan for dealing with your credit score
The Best Ways to Boost Your Credit Score
Tip # 4: Pay your bills on time
Tip #5: Avoid excessive credit
Tip #6: Pay Down Your Debts
Tip #7: Have a range of credit types
Keep Your Credit ScoreSafe
Tip #8: Look out for identity theft
Tip #9: Practice safe banking, safe computing, and safe business practices
Tip #10: Check your credit score regularly
If you think you have been the victim of identity theft, take action at once:
Avoid Common Credit Score Mistakes
Tip #11: Beware of debts and credit you don’t use
Tip #12: Be careful of inquiries on your credit report
Tip #13: Be careful of online loan rate comparisons
Tip #14: Don’t make the mistake of thinking that you only have one credit report
Tip #15: Don’t make the mistake of closing lots of credit accounts just to improve your score
Tip #16: Don’t assume that one thing will boost your credit score a specific number of points
Tip #17: Don’t think that having no loans or debts will improve your credit score
Tip #18: Never do anything illegal to help boost your credit score
Dealing With Your Credit Report to Deal With Your Credit Score
Tip #19: Dispute errors on your credit report
Tip #20: Add a note to your credit report if there is a problem you can’t resolve
Tip #21: Make sure you know who is looking at your credit report and why
Tip #22: Know the difference between soft and hard inquiries
Tip #23: Contact creditors as well as credit bureaus when correcting inaccuracies in your credit report
Tip #24: Look out where you get your credit report - and what it contains
Dealing With a Credit Score after a Big Problem
Tip #25: If you have bad credit, establish better credit by taking out credit and repaying it quickly
Tip #26: Try secured credit if you cannot qualify for other types of credit
Tip #27: Give it time
Tip #28: Contact your banks and ask credit limits to be reduced
Tip #29: Start repairing your credit right away after a big financial upset
Tips #30: Consider co-signing for loans - but consider well before taking the leap
Tip #31: Don’t overlook bankruptcy
Tip #32: Don’t choose bankruptcy as an easy out
Tip #33: Learn from your mistakes
Dealing With Professional Credit Help
Tip #34: Seek professional help
Tip #35: Look out for credit repair companies
Tip #36: Seek free or inexpensive help before seeking paid credit repair help
Tip # 37: It will be easier for financial experts to help you if you seek credit repair help sooner rather than later
Tip #38: Look out for credit repair scams
Tip #38: Get a good team on your side to help you with your credit score
Tip #39: Your bank has good and reliable credit information
General Good Financial Habits Build Good Credit Scores
Tip #40: Learn to budget
Tip #41: Live within your means
Tip #42: Get out of the spending habit
Tip #43: Save
Tip #44: Keep track of your money
Tip #45: Take out one pleasure and save it up
Tip #46: Build assets and capital
Tip #47: Find more ways to income
Tip #48: Prepare for financial emergencies
Tip #49: Get overdraft protection, insurance on your credit cards, or other services to keep your credit in good shape
Tip #50: Get insurance
Tip #51: Get a prenuptial agreement and have a lawyer go over all your business contracts
Think Like a Lender
Tip #52: Know how money works
Tip #53: Take care of those things besides a credit score that affect how lenders view you
Tip #54: Follow up on closed accounts
Tip #55: Don’t move around a lot
Tip #56: Don’t change jobs frequently
Tip #57: Avoid changing switching credit companies and credit accounts a lot
Tip #58: Keep your records up to date
Tip #59: Always be sure that your creditors know your current address
Tip #60: Talk to lenders and creditors
Tip #61: Get lenders to waive late fees and charges
Develop an Organized Strategy to Repair Your Credit Score
Tip # 62: Stay financially organized
Tip #63: Set short-term goals and do frequent credit self-checks in order to track your progress
Tip #64: Take care of the details when applying for credit or for a credit report
Tip #65: Don’t make the mistake of thinking that small differences in credit scores or loan interest rates won’t make a big impact
Tip#66: If you need to repair your credit, stay organized with a to-do list that ensures you won’t forget anything
Tip #67: Automate your finances
Loans and Your Credit Score
Tip #68: Refinance loans
Tip #69: Look for loans that are offered for bad credit risks
Tip #70: Always know your credit score before speaking to lenders
Tip #71: Consider speaking to lenders face-to-face if you have a bad credit score
Make Credit Repair Easier on Yourself
Tip #72: Don’t let a bad credit score make you swear off purchases you must make
Tip #73: Make arrangements to pay your bills when you are on vacation or ill
Tip #74: Consider online banking or telephone banking to make bill payment easier
Tip #75: Simplify your bills
Tip #76: Pay your bills as soon as you get them
Tip #77: Set aside a regular day, time, and place for paying bills
Tip #78: Record your financial duties on a calendar - just like all your other appointments
Tip #79: Go online
Student Credit Repair
Tip #80: If you are a student, you have a great secret weapon for credit repair and credit help - your school’s financial aid office
Tip #81: If you are a student (and especially a student with student loans), budget carefully
Tip #82: Try to pay for education through means other than loans
Tip #83: (Almost) never default on a student loan
Tip #84: Save money by taking advantage of student discounts or student life
Tip #85: Follow the “cash for wants, loans for needs” rule
Tip #86: Make learning about money a priority
Tip #87: Start building credit early - and do it well
Dealing with Debt
Tip #88: Consolidate your loans to make repaying them easier
Tip #89: Pay down your debts by making larger than minimal payments
Tip #90: If you are taking out a new loan, consider putting down a larger down payment to take out a smaller loan
Tip #91: Use loan calculators to estimate your finances and keep your credit rating in good shape
Tip #92: Avoid payday loans
Tip #93: Do not use one debt to repay another
Credit Repair and Your Emotions
Tip #94: Give Yourself a Break
Tip #95: Don’t make excuses
Tip #96: Give Yourself a Treat - without affecting your credit rating
Tip #97: Work on your emotional response to debt and money
Tip #98: Don’t mix debt with emotion and stay aware of your emotions
Tip #99: Get help if you need it
Parting Credit Tips
Tip #100: Learn to deal with collection agencies
Tip #101: Keep at it
Conclusion
101 Powerful Tips for Legally Improving Your Credit Score
Sadiq A
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Equifax Credit Information Services, Inc Address: P.O. Box 740241
Atlanta, GA 30374 Telephone: 1_888_766_0008 Online: www.equifax.com
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