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If you use credit card then you maintain and improve good credit score. if you use your credit card on daily basis\nin order to give you good credit score. But one thing keep in mind you purchases all things and debt must be paid in full.\nAnd you check your credit card limit not exceed more than 50% for good credit score.\n More details visit here-

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how to improve your credit score in six easy steps

How to Improve Your Credit Score in

Six Easy Steps

Are you suffering from a low credit score? It doesn’t take a financial expert to know that poor

credit can hinder you from getting a personal loan, automobile loan, and a home loan. This is

the primary reason why you should take your credit score seriously.

If it’s time for you to turn things around, you need to take the correct steps that will help you

raise your score. Contrary to popular belief, you don’t usually need to pay a credit repair

professional. We will now take a close look at six easy steps that will raise your credit score

within several weeks or months.

Address: 124 St. Mary’s St. Raleigh, N.C. 27605


1 determine where you stand

1. Determine Where You Stand

Your first step begins with you getting a copy of your credit report from the three major credit

bureaus (Equifax, Experian, and TransUnion). You can also try free credit reporting apps like

Credit Sesame or Credit Karma. Looking at your credit reportwill help you determine where

you stand. You will get an opportunity to see the things that are affecting your credit score.

There is a possibility that you may find one or several mistakes on your credit file.

2. Dispute Errors

Did you find any errors on your credit report? If you did, it’s time for you to dispute them.

Simply send a dispute letter to the credit bureaus mentioned above. They will usually be more

than happy to remove them.

3. Get a New Credit Card

You should apply for a new credit card when you can. Opening a new line of credit will

gradually improve your credit score. Apply for an unsecured credit card or a secured credit

card. With an unsecured credit card, you will be borrowing the lender’s money. With a

secured credit card, you will be borrowing against your money. Make certain you use your

new credit card responsibly.

4. Keep Your Utilization Rate Low

Once you have a new line of credit, you should keep your utilization rate low. Studies show

that credit bureaus favor consumers with low utilization rates. Aim at keeping your utilization

rate in the 20-25% range.

5. Pay Off Outstanding Balances

Negative marks on your credit file have a big impact on your credit rating. This is why it’s vital

to pay off your outstanding balances listed on your credit report. Make an earnest effort to

negotiate with your creditor(s) if you cannot pay off the full balance.

Address: 124 St. Mary’s St. Raleigh, N.C. 27605


6 become an authorized user

6. Become an Authorized User

Do you know someone with exceptional credit? Ask if you could become an authorized user

on one of their accounts. Their positive activity will increase your credit score.

You don’t have to suffer from a low credit score. The six steps above can help you improve

your own with ease. It’s now time for you to take action.

Address: 124 St. Mary’s St. Raleigh, N.C. 27605