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Improve Your Credit Score - A 12-Step Action Plan

submitted on January 26, 2011 by orangearrows in "Member's Lounge"
Your credit score impacts your ability to get out of debt and stay out of debt. The worse your credit score, the higher the interest rate you will be charged on money you borrow. The better your score, the less your debt will cost you and the quicker you'll be able to pay it off.

So it's not only important to know your credit scores from all three major credit rating bureaus -- Equifax, TransUnion and Experian -- but to know how to raise your score. The simple truth is that raising your credit score isn't that hard if you know what to do.

Over the years I've coached literally thousands of people on how to fix their credit scores, and based off of that experience I have developed a 12-step action plan to raise your score quickly and keep it there. Regardless of where you start from, if you follow this plan and utilize the online tools I discuss -- in six months your score will be higher than you ever thought possible

Read More here >

Step 1: Get Your Credit Report and Check it For Errors
Step 2: Automate Your Bill Paying
Step 3: If You Have Missed Payments, Get Current.
Step 4: Keep Your Balance Well Below Your Credit Limit
Step 5: Beware the Credit Card Transfer Game.
Step 6: If You Rack up High Balances, Pay Your Card Bill Early.
Step 7: Hang On To Your Old Accounts
Step 8: Use Your Old Cards.
Step 9: Demonstrate That You Can Be Responsible.
Step 10: Shop For Loans Quickly.
Step 11: Know the Difference Between a "Soft Inquiry" and a "Hard Inquiry."
Step 12: Buy a 3-and-1 Report And a Credit-Monitoring Package and Identity Theft Service.


  • 99740
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    Posted by CouponNut on January 26, 2011
    [reply] 4 0
    I always check my credit score and get result fast when necessary for corrections.
  • 99958
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    Posted by orangearrows on January 27, 2011
    [reply] 2 0
    Note : checking your credit score too many times can also show up as inquiries on your credit history.

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