There is much importance to have knowledge about credit score, to fix my credit to buy a house. It is equally important not only for people with credit histories, but also for the ones who have not yet applied for any loan. So, it’s better to have knowledge about credit score and how it needs to be improved so that one can avoid the costly effects of poor credit score.

 

Tips to increase credit score:

Let’s have a look at some ways that help to increase the credit score:

 

·         Remove late payment:

A single late payment can drop the credit score to 60 to 110 points and it stays in credit report up to 7 years. It will take persistence. The most common and effective way is to call the original creditor and request for good will adjustments. And if there is any incorrect or old payment reflecting in credit reports, one can file disputes with credit bureau. But it is not always good activity so make sure paying bills on time and in full.

 

·         Getting free credit scores and report: 

It Is always very important to have the knowledge credit score so that once can improve the score religiously. Now it had become very simple because many applications have come into picture where anyone can check their score and get credit alerts for the same improve by themselves.

 

·         Collection agencies:

If there are some balance which you want to pay then can contact Collection agency then they remove the negative scoring from credit report entirely which totally improves the score.

 

·         Credit cards usage:

One should use the credit card at a low utilization rate in a normal way but make the multiple payments throughout the month. Maintain good payment history, in this way the balance would be relatively low compared to limit.

 

Hence building credit score takes time but never get discouraged, if there are no immediate results so following the above ways one can have a great credit score also its become a habit to always be a good credit scorer. To know how to improve credit score in 30 days, make sure you prefer White Jacobs & Associates.