레이블이 Good Credit Card Debt Ratio인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Good Credit Card Debt Ratio인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 30일 토요일

About 'debt ratio credit score'|Why your Credit SCORE is not FREE.







About 'debt ratio credit score'|Why your Credit SCORE is not FREE.








Advertisements               about               credit               scores               and               credit               reports               are               plastered               on               our               TV               and               computer               screen               daily               and               while               you               shouldn't               be               taken               in               by               every               free               offer               out               there,               they               do               serve               a               purpose.

Your               credit               score               is               a               vital               piece               of               information               that               can               affect               every               aspect               of               your               finances,               from               purchasing               a               home               to               applying               for               a               job               or               even               whether               you               can               open               a               bank               account.

Every               person               of               employable               age               should               look               into               their               credit               rating               long               before               it's               needed               for               a               major               financial               transaction.

The               first               step               in               managing               your               credit               is               to               find               out               what               your               credit               score               is               currently.

Once               you               know               your               current               number,               you               can               take               appropriate               steps               to               increase               your               credit               score.

You               can               request               a               free               credit               report               from               a               number               of               places               online               and               have               it               in               your               hand               within               minutes.
               Credit               reports               are               not               always               100%               accurate               and               it               is               your               responsibility               to               look               for               errors               and               have               them               corrected.

Something               as               simple               as               a               clerk               typing               a               single               digit               incorrectly               could               result               in               another               person's               debt               showing               up               on               your               credit               report,               which               at               best               could               put               you               over               an               acceptable               limit               on               debt-to-income               ratio,               or               at               worst               deny               you               credit               if               they               show               debts               that               are               past               due               and/or               have               gone               to               collections.

The               credit               report               should               contain               information               on               how               to               correct               any               inaccuracies,               so               make               sure               to               take               the               necessary               steps               to               do               that               immediately.
               If               the               report               is               accurate               but               does               contain               negative               information,               you               can               submit               a               statement               explaining               any               mitigating               circumstances               and               it               will               be               included               in               the               report.

It               will               not               remove               the               negative               information,               but               depending               on               how               severe               it               is               and               what               your               situation               was               at               the               time,               explaining               it               may               make               a               difference               to               the               person               that               is               reviewing               your               credit               report               and               possibly               sway               them               in               your               favor,               especially               if               it               is               an               isolated               incident               and               your               credit               is               otherwise               in               good               standing.
               Your               credit               score               is               a               quick               indicator               of               how               credit-worthy               you               are,               so               the               higher               your               score,               the               more               likely               you               are               to               enjoy               a               lower               interest               rate               on               credit               cards,               mortgage,               car               loans,               etc.

Credit               scores,               sometimes               called               a               FICO               score,               range               anywhere               from               300-850,               with               a               number               higher               than               700               generally               being               considered               'good'.
               How               to               get               and               maintain               a               high               credit               score:
               1.

Pay               all               of               your               bills               on               time               
               This               number               one               rule               is               pretty               basic,               but               oh               so               important.

This               can               account               for               35%               of               your               overall               FICO               score.
               2.

Don't               overextend               yourself               with               credit               cards               or               other               debt               
               Having               a               credit               card               or               two               with               a               good               payment               history               is               great,               but               carrying               a               large               amount               of               debt               or               too               many               credit               cards,               even               those               with               a               zero               balance,               is               not               advisable.

A               number               of               credit               cards               with               a               zero               or               low               balance               are               not               looked               at               favorably               by               lenders               as               they               are               seen               as               potential               debt.

They               have               no               way               of               knowing               that               you               won't               buy               all               new               furniture               on               those               previously               unused               cards               as               soon               as               you               get               the               keys               to               your               new               house.
               3.

Have               a               credit               history               
               If               you               have               always               paid               cash,               apply               for               a               credit               card               or               car               loan               and               pay               it               faithfully               to               establish               good               credit.

A               longer               history               of               paying               your               debts               on               time               is               actually               better               than               having               no               credit               history               at               all.
               Even               if               your               credit               report               isn't               perfect               or               your               credit               score               as               high               as               you'd               like,               there               is               nothing               that               can't               be               made               better               with               time               and               a               little               discipline.

Request               your               credit               report               to               see               where               you               are               today,               and               start               making               positive               changes               tomorrow.






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  • Related blog with debt ratio credit score





    1. low-credit-score-c.blogspot.com/   05/26/2010
      ...i do that wrong too? should i have just paid off the whole thing? Debt to credit ratio/ increase credit score? Keep them all under 30%. They want to see you spending reasonably...
    2. livingstingy.blogspot.com/   12/25/2010
      ... to suck, period. On the other hand, if you have a good payment history, a low debt-to-credit ratio, your score will be high. The score ranges from 280 to 850 from Equifax. Why this range...
    3. vancouverlending.wordpress.com/   04/22/2012
      ...and the issuer reports the information – can negatively impact your credit-to-debt utilization ratio and subsequent score, regardless of whether you go on to pay off that balance on time or not...
    4. redeemingriches.wordpress.com/   06/23/2009
      ... your accounts, your debt-to-available-credit ratio goes up and impedes your score. E. Eliminate Debt As mentioned, lenders typically like to...
    5. rickcrozier.wordpress.com/   09/17/2013
      ... can lower your credit score. Aim for balances less than 35 percent of your total available credit. You can determine your debt-to-credit ratio by reviewing your credit...
    6. americandebtconsolidation.blogspot.com/   10/15/2011
      ...the result will naturally rebound. Approximately one third of your credit score is your "debt to credit ratio," which will be in much better standing after they clear out...
    7. low-credit-score-c.blogspot.com/   05/26/2010
      ... not translate to a higher score, its really your history of payments and ratio of debt to available credit that make up the bulk of your score...
    8. mcrand-marketing.blogspot.com/   03/01/2007
      ...we've discovered without question that carrying the proper debt to credit ratio will boost your score faster than paying off your bills in full each month...
    9. repairyourowncredit.wordpress.com/   04/02/2008
      ...we’ve discovered without question that carrying the proper debt to credit ratio will boost your score faster than paying off your bills in full each month...
    10. realestatelouisvilleky.blogspot.com/   01/13/2008
      ...and the best rates. Another way to improve your scores is to get your debt ratios below 50% on your credit cards and revolving charge ...



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