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Top Tips to Sweeten Your Credit Score

Written by Debra Bigler on Wednesday, 11 December 2013 12:47 pm

To get the most favorable interest rates you’ll need a credit score of 720 or higher. Someone with a credit score of 520 will receive higher interest rates on loans, up to four percentage point than someone with a 720 score. With that in mind, here are five quick tips to improving your credit score:

Be diligent

Once per year, get a copy of your credit report. Scrutinize it and make sure the information is correct.

Don’t be late

Pay your bills on time. Late payments damage your score. Consider automatic payments through your bank account.

Know the FICO

Understand how your credit score is calculated and do what you can to improve deficiencies.

Make repairs

If there are errors in your report, correct them. The Federal Trade Commission is a good resource for information.

Get smart

Don’t max out your credit cards and pay the balance in full, if possible. Avoid opening new credit card accounts or closing down old inactive ones.

If you would like to receive a free consultation and price quote about repairing your credit, Click Here.

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Debra Bigler is a consultant and owner with Prime National Credit Repair, Inc. She and her staff work daily with consumers, Realtors, mortgage brokers and loan officers in order to repair customers' credit reports and raise FICO scores.
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  • Comment Link Jeffrey Johnson Wednesday, 19 February 2014 8:43 am posted by Jeffrey Johnson

    Great post! Raising your score after a poor mark on your report or building credit for the first time will take patience and discipline. Thanks!

  • Comment Link J.  Johnson Friday, 07 February 2014 7:07 am posted by J. Johnson

    Good advice..The simplest way to fix your credit score is to pay off your debt and revolving credit balance on time.

  • Comment Link Jeffrey Johnson Tuesday, 28 January 2014 10:04 am posted by Jeffrey Johnson

    I can also raise my credit score significantly by just following some simple tips here in the website of this company. They have the best tips. Thanks!

  • Comment Link Jeremy Redlinger Tuesday, 17 December 2013 9:29 am posted by Jeremy Redlinger

    Another great tip is to pay your revolving balance to 30 percent or less of the available balance. This little tip can boost your credit score by 50 or more points depending on the number of high balance accounts you have.

  • Comment Link Yanni Raz Wednesday, 11 December 2013 1:00 pm posted by Yanni Raz

    There are other ways that are better to raise your FICO. How about committing to purchases over a history of time, and paying them off. Example, leasing a car and making payments. Its all about proving yourself over time, and being responsible.

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