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Ways To Get A Better Credit Score For Future Financings

By Henry Myers

There is no doubt that credit rating can definitely have an influence on one’s life. If it good, there interest rate is low and you are more likely to get approved for certain loans. The opposite is true if your credit score is poor.

Simply being aware of what your credit rating is helps immensely. Find out what your rating and history are before you go and see any finance company, this is a must.

Carefully review all of the items and information listed on your credit report. There may be errors somewhere on it, so it is a good idea to review it in full – ensuring you understand each and every entry.

If you find any errors, you should dispute them and get them removed from your credit history before shopping for a loan. Depending on the nature of the error, you could raise your credit score considerably by getting them removed.

As soon as you have figured out what you credit score is you can begin employing a few different steps to ensure it improves. Just as a side note, credit scores above seven-hundred and sixty are often too hard to improve on – you are already sitting pretty.

Paying down any credit lines can be help to raise your credit score. Start doing this as far in advance as possible, so that you ideally have at least two months between when you pay them down and when you start looking for a loan.

Also, ensure that you pay all of your accounts when they are due in the time before you start looking for finance. Be careful not to close any old credit cards, particularly if your current ones are heavily in debt. Doing this will have a negative effect on your overall credit.

You should also be careful to always keep your oldest credit card whenever possible. Transferring a credit card balance from a card that is close to being maxed out to another under-utilized card can also help improve your score, although paying down the balances is a better option if you can afford to do so.

The writer has been contributing articles pertaining to credit for the last four years. In addition, the individual takes pleasure in providing knowledge on New York neighborhood subjects, including West Village apartments as well as Union Square condominiums.

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Article Citation
MLA Style Citation:
Myers, Henry "Ways To Get A Better Credit Score For Future Financings." Ways To Get A Better Credit Score For Future Financings. 27 Jun. 2010. 11 Feb 2015 <>.

APA Style Citation:
Myers, H (2010, June 27). Ways To Get A Better Credit Score For Future Financings. Retrieved February 11, 2015, from

Chicago Style Citation:
Myers, Henry "Ways To Get A Better Credit Score For Future Financings"

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