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10 Easy Steps to a Better Credit Score
Austin Texas - A good credit score makes obtaining a mortgage easier, but did you know that people with good credit scores also pay less for insurance and get access to the best credit card rewards? A good credit score is 700 or higher, with anything above 750 considered stellar. A score of 580 or below is considered bad, but even people with scores of 620 will find getting access to loans or credit cards with reasonable terms somewhat difficult. So what are some simple ways to get your credit score up?
How to Improve Your Credit Score in 10 Easy Steps:Check All 3 Credit Bureau Reports – Get in the habit of regularly checking all your credit scores and reports. After your check all of your credit reports for errors; go fix all the errors.Build a Credit History – Use both types of credit to establish your history: revolving (credit cards) and installment loans (mortgages and car loans). Remember, no history is just as damaging as a bad one.Dispute Inaccuracies Promptly – Don’t wait until your credit score drops to flag inaccuracies. Dispute them immediately with one of the major credit bureaus.Apply for Credit Carefully – Avoid making too many credit applications ... more
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