Simple Steps To Improve Your Credit Score

Simple Steps To Improve Your Credit Score

1) Don't miss payments, especially your mortgage payment.  Regardless of the dollar amounts, it will take 24 months to restore credit with one late payment.
2) Don't keep your credit cards charged up to the limit (i.e. maxing out credit cards). 
3) Closing credit cards out. This may be advisable if you are going to apply for a mortgage loan. Mortgage companies will calculate a payment on every open credit account in calculating your debt ratio, even if you have a $0 balance.
4) Shopping for credit excessively (i.e. a high number of inquiries).
5) Opening up numerous credit accounts in a short time period.
6) Having more unsecured/credit card accounts in relation to secured loans.
7) Borrowing from finance companies.
Source: ICEFCU 


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Phone: 214-564-7561
Dated: April 5th 2014
Views: 3,294
About Larry: I have lived in the Dallas-Fort Worth Metroplex for over 40 years. Before becoming a residential R...

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