How to Improve Your Credit Score by Vincent Polisi
If you would like to improve your credit score but don’t know how, then you will want to read on. We will be taking a look at some easy things that you can do to raise your score. After reading this article, you should be ready to put these strategies into practice.
Play the Dispute Game
Under the Fair Credit Reporting Act, both the credit bureaus and information providers (creditors) must investigate any dispute you make with regards to your credit file.
How does this work? Upon receiving your dispute, the three credit bureaus will immediately notify your creditor. Your creditors have just 30 days to respond to the credit bureaus. The credit bureaus must delete information from your credit file that creditors fail to verify within 30 days. This must happen even if the information is actually correct.
Pay Down Revolving Debt
The most successful credit repair efforts involve paying off revolving debt. If you have a high level of debt, there is most likely no other single strategy that you can implement that will have more impact than paying off debt. What you want to do first is pay down each account to 25% of your total credit limit. You should not pay off any account in full until each of your accounts are down below 25% of your credit limit. If you want to have the best possible credit score, you should make an effort to always keep your accounts below the 25% mark.
One thing to keep in mind is that you never want to close accounts once they are paid off. Closing accounts lowers the total credit that you have available to you and therefore increases your credit utilization ratio. Instead, just cut up the cards when you pay accounts off. This removes the temptation of using the card but still allows your credit to benefits from it.
Piggyback
Many people believe that FICO 08 put an end to piggybacking. The truth is that it merely regulated how piggybacking is done. The reason for the changes is that unscrupulous credit repair companies were having people pay strangers to be added to their credit cards.
While you can still benefit from piggbacking on someone else’s credit, the new guidelines restrict those that can help you out. You can now only benefit from piggybacking off of a parent or spouse.
If you have a parent or spouse with an older account that has a great credit history and low balance, this is still a great way to improve your credit score!
Vincent Polisi is the founder of Credit Repair College. To learn more about how to improve your credit scores, please visit him on the web.
Article Source: http://www.earticlesonline.com/Article/How-to-Improve-Your-Credit-Score/705800
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