tailieunhanh - Improving Your Credit Score

This book will focus on improving your credit scores and provide you with information on how you can do even more to improve your credit status. Doing so will go a long way towards improving your credit score because your credit score is derived from the information in your credit report. But there is even more you can do. This book covers techniques for raising your credit score as high as possible. The benefits will be two-fold—you will have greater access to credit and the credit you obtain will cost less. . | Improving Your Credit Score By InCharge Debt Solutions Published by InCharge Debt Solutions at Smashwords Copyright 2012 InCharge Debt Solutions Table Of Contents Improving Your Credit Score What You Need To Know What Can You Do Improving Your Financial Behaviors Changing Your Debt Situation What You Can Do Summary Improving Your Credit Score This book will focus on improving your credit scores and provide you with information on how you can do even more to improve your credit status. Doing so will go a long way towards improving your credit score because your credit score is derived from the information in your credit report. But there is even more you can do. This book covers techniques for raising your credit score as high as possible. The benefits will be two-fold you will have greater access to credit and the credit you obtain will cost less. What You Need To Know You may find that your credit score is still lower than you would like or deserve even after making sure your credit report is accurate. The average FICA credit score has fluctuated between 675 and 700 in recent years with 850 being the maximum score one could have. People with below average scores must pay high interest rates. What Can You Do First you need to recognize that efforts to improve your credit score take time to have an impact. Most people find that it takes about one year for their score to show much improvement. This is partly because changes take time to show up in your credit report. But it is also true that your credit history stays with you for a long time. If your history is positive that is a real plus. But if your history has some negatives those stay in your credit file for six seven years. New positive information helps but it does not erase old negative information. Nonetheless waiting to do something about a low score only prolongs the problem. The time to get started is now. Basically there are two broad categories for the things you can do to improve your credit score. The