| We've all heard it before, "If you want to improve your | | | | you have been late on a payment, they must keep |
| credit score, pay your bills on time." Well that doesn't | | | | proof of that late payment. Here's the trick. Most |
| help someone with bad credit, NOW! Paying your bills | | | | companies only keep that for a little while because of |
| on time may improve your score...in a couple YEARS! | | | | storage issues or other reasons. Write a letter |
| A good credit score is important especially when trying | | | | requesting proof and your late payment may be |
| to get a loan for a new house, new car, etc. The | | | | dropped. Instantly improving your score! |
| better your credit score, the lower your interest rate. | | | | 3. STOP closing your old credit card accounts! |
| The lower your interest rate, the lower your monthly | | | | I don't care if the interest rate is 1000%. Keep that old |
| payments are. Do you know what that means? | | | | credit card open, just keep a $0 balance. The credit |
| More money YOUR pocket! | | | | bureaus don't care what your interest rates are, they |
| Here are 3 tips you absolutely must do to improve | | | | just want to see that you've had credit card accounts |
| your credit today: | | | | for a long time. The older the better. This tip is great |
| 1. Spread out your credit card balances. | | | | because you don't actually have to do anything. |
| It doesn't help your credit score to have one card that | | | | Perfect. |
| is almost maxed out and 3 sitting there with barely | | | | Well, that's it. 3 great tips to get you on your way to a |
| anything on them. You may think your being wise only | | | | MUCH improved credit score and more money in your |
| using one card, but the credit agencies see differently. | | | | pocket, today. In the end the process to a great credit |
| Put more on each card. So instead of having one card | | | | score can be long and there is one big key. It has |
| 80% maxed and 3 or 4 only 5%, balance out those | | | | always been and will always be true that the way to a |
| balances! | | | | better credit score is, "Pay your bills on time". So go |
| 2. Dispute your old late payments. | | | | out there and apply these tips, today. Good luck. |
| When your bank or credit card company reports that | | | | |