How Do I Increase Credit Score?

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Some people are worried because they can’t increase their credit score. So, the question is how do I Increase Credit Score? If you think it is impossible to do it means you are wrong. In fact, there are several ways you can do to increase your credit score effectively.

The first thing to consider is about the understanding of your FICO score. FICO score will guide you to boost your credit score. For your information, there are 5 different categories related to FICO score. The first category is 30% of your FICO score will be calculated based on the amount of money you own to your creditors. The second category is 15% of your credit score will be determined based on the length of the history. Third, 10% of your FICO score will be calculated based on the total of your new credit and your inquiries. Fourth, 10% of your credit score is calculated based on the type and mix of your credit. Fifth, don’t underestimate your payment history because 35% of your credit score will be determined from the payment history. FreeCreditScore.Com

The second to consider to Increase Credit Score is about the time you pay your monthly bills. It is important to make sure that you are paying your bills on time because it means you will have a good credit score. In fact, most of creditors are seeing from the way to pay the bills before borrowing their money. Paying your monthly bill on time means you have a good reputation in the eye of creditors.


The Third way to fix the condition of your credit score is strongly related to your active account. It is better not to open or close too many account at one time. Your account is related to the length of history whereas the length of history determines your credit score. If you open or close too many accounts, creditors think that you are a type of credit risk in which it is a negative thought. In this case, creditors said that you might be overextending and it will be difficult for you to get more money from creditors.

The fourth strategy to deal with your credit score is about the way to use your credit limit. To fix the condition of your credit score, it will be better if you don’t use more than 30% up to 35% of your credit limit. This is also including if you are able to pay off your credit card balance monthly. It is important because most of credit card companies don’t give a report about the total of your payment every month. Instead of giving the report of payment, they will only give the report of your balance to the credit bureaus. The problem is that the balance reports shows that you are using your credit limit around 50% up to 90%. Definitely, it is bad information for you because your credit score will be reduced significantly. FreeCreditScore.Com

The last strategy to Increase Credit Score is by having a mix of debt. Having different type of debt means that you have a positive payment history and it increases your credit score.

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