How To Build Credit; Establish Credit And Improve Your Credit Score As You Learn The Strategies To Build Credit From Nothing, Repair Credit That’s Been Damaged, And Increase Your Credit Rating! Reviews
How To Build Credit; Establish Credit And Improve Your Credit Score As You Learn The Strategies To Build Credit From Nothing, Repair Credit That’s Been Damaged, And Increase Your Credit Rating!
Are you just starting out financially and want to learn how to build credit of your own? Do you need to repair your credit and build your credit score? Would you like to learn basic principles to establish good credit and increase your credit score! You can achieve all of this with the information included in this book! How To Build Credit will teach you to start building your credit from scratch and educate you on how you can build and keep a good credit score before you get in over your head. You’ll also learn strategies to repair bad credit scores, such as checking your credit reports and filing any needed disputes, learning to pay bills on time, and how you can reduce your debt.
With so much commerce on the internet, it is very difficult to operate today without a credit or debit card. The days of using cash for everything are fading away, and for some, if they have no credit, it can be hard to survive in this economy. This book will show you how to use secured credit cards to get started if you have no credit, and also how to increase your credit limits and improve your score if you do. This will allow you more access to credit cards with higher limits so that you can easily participate in buying things online or making large purchases on credit. It will also help you lower your interest rates on the credit cards you may already have, as you strive to lower your credit score. The more you are able to learn about how to build credit for yourself, you can take control of your finances and gain a top credit score.
See some of the information you’ll learn in this book! Here are some of the chapter titles included inside:
Chapter 1: For People with No Credit: 5 Tips on How to Establish It
Chapter 2: How Do You Establish A Credit History?
Chapter 3: How To Build A Solid Credit Rating From Scratch
Chapter 4: Establishing Your Credit From Scratch
Chapter 5: Five Credit Building Tactics
Chapter 6: How To Establish Good Credit
Chapter 7: Establishing Credit – Strategies for Young People
Chapter 8: Establishing Credit with a Student Credit Card
Chapter 9: How Good Is Your Credit? Why Does It Matter?
Chapter 10: 3 In 1 Credit Report – Getting A Copy Of Your Credit Report
Chapter 11: How To Build Credit For A Better Future
Chapter 12: How To Build Your Credit Card Credit History
Chapter 13: What Is a Good Credit Score – How Can I Raise Mine?
Chapter 14: Do You Need To Improve? Credit Scores Count
Chapter 15: What Can I Do To Improve My Credit Score?
Chapter 16: Improving Your Credit Report and Score
Chapter 17: Five Tips For Building A Good Credit Score
Learn how to build credit today! Take action and instantly download this book to your Kindle so you can increase your credit score.
List Price: $ 8.99
Price:
Repairing A Damaged Credit Score
When it comes to your credit score, unfortunately, a lot of people feel that if their credit is ruined, then it is ruined for good. This is not so. Even if your credit rating is below the basement (750 is excellent, 650 stinks, below 600 means you’re pretty much screwed), you can still come back. All it takes is some due diligence and financial discipline.
Firstly, you’ll want to order copies of your credit report from all three credit bureaus, Equifax, TransUnion, and Experian. Not everybody reports to all three bureaus, so you will need all three to glean the most complete picture of your current credit condition. You can do this for free once every year, and it is recommended even if your credit rating is excellent.
Resolve your debt. Out of control debt is one of the main reasons people have low credit scores. Devise a spending plan that reduces your debt and gets you set up to pay everything on time, each month. If you are in a difficult spot, do not hesitate to call your creditors and tell them. Many will work with you to make sure your debt doesn’t end up being classified as delinquent or “bad debt”. Ask for reduced monthly payments, or perhaps changing the date your payment is due in order to help balance out the month.
If you have any accounts that are already in collections, deal with those first, as they are the ones poised to do the most damage to your credit score.
Slowly close out any unneeded or unused credit cards or accounts.
You can also be proactive in adding information to your credit file. Before opening any new accounts, ask them if on-time payments will be reported to the credit bureaus.
If you have really bad credit, then it is important to begin rebuilding good credit right away. This may be easier said than done, but you will find companies that will extend you that second chance. If they do, then pay your bills every month, on time, every time. The faster you do so, the faster you will improve your credit score.
Quick note: don’t go overboard. Too many credit applications can look bad and have a negative impact on your score. Look for the best deals, interest rates, etc., before applying for new credit.
Open a savings account at your bank (and keep adding money to it). This will show your creditors that you are serious about working hard to save money and that you have sufficient funds to repay debts.
Of course you must beware the scams that go along with any credit repair efforts. You will receive mail, e-mail, and phone calls from companies offering to help clean up your credit report…..once you pay them an upfront “administrative fee” of course.
Taking the proper steps, in the proper order, not to mention exercising some fiscal responsibility and self-control, will go a long way towards helping you re-establish a healthy credit rating.
Now go therefore and spend wisely…..
For more credit restoration tips…
Billy D Ritchie is the Director Of Content for LeadsByFone, LLC, a lead generation company servicing the water damage restoration industry.
When not writing and educating folks about the perils of water damage, he is also a freelance writer, sometime actor, and formerly professional musician. He also enjoys spending his weekends building and flying model rockets
Categories: Credit Score Articles Tags: Credit, damaged, Repairing, Score