Try out these 10 tips to increase and maintain your credit score:

by Richard Van Dyke-MRG

Credit Score
1. Clear up any errors on your credit report. Incorrect credit limits, late payments, or collection items that aren’t yours may be silently wreaking havoc on your credit score.

2. Always pay your bills on time. Delinquencies have the biggest negative effect on your credit score.

3. Reduce your overall debt. If you don’t have the funds to pay down debt, consider taking a loan from a family member or friend. That doesn’t reduce what you owe.

4. Don’t close unused credit cards accounts. Canceling a card can actually lower your score because it leaves you with less available credit relative to your total debt. It may also shorten your credit history, which will ding your score.

5. Never max out your credit cards. A good rule of thumb is to keep your balances below 30% of your credit limit – even if you pay your accounts off in full each month.

6. Do your loan shopping quickly. Having lots of credit inquiries can decrease your score.

7. Get a Secured Credit Card. You’ll have to dish out an upfront security deposit of at least a couple hundred dollars, which the card issuer holds as collateral. IMPORTANT; Card needs to report to ALL 3 Bureaus monthly. This cards does: Secured Credit Card.

8. Get a gas or retail store card. Even though you may want to buy more than gas and clothes on credit, making small monthly charges that you pay off in full and on time each month will work wonders for boosting your credit score.

9. Won’t wait, credit issue can be resolved but get started NOW!. A low credit score means you may not qualify for a mortgage, car, etc., or have to pay a much higher rate. If you think you might need a mortgage, car loan and really any loan review credit 90 prior. Even if you can clearly document an error on your credit report it still on average takes up 30 days to come off or adjust your score. MRG offers credit building tools as well as credit profiles product.

10. If it ain’t broke, don’t fix it. If you already have good credit, why would you want to risk doing something radically different? A score over 750 is excellent and means that you’ve been doing everything right when it comes to your credit.
The bottom line is Credit is KING in today’s world. Check you credit annually a 100% FREE A true way to review your credit report with all 3 bureaus for FREE, > ANNUAL CREDIT REPORT https://www.annualcreditreport.com/cra/index.jsp sponsored by Equifax, Experian, TransUnion.
Need more help? Credit is our business, http://www.marshrobert.com/creditservices.html
Richard Van Dyke 888 266-9084 ex.101
Better Credit

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