| Your credit score will affect every single financial | | | | score will be changed. Excessive applications, more |
| decision you make. A bad score can prevent you | | | | than three a month, will dramatically reduce your score. |
| from obtaining credit or cause you to pay very high | | | | When you apply for too much credit you become a |
| interest rates. There are several things that you can | | | | risk. |
| do that will help improve your overall credit score. | | | | Pay all your bills on time. Utilize the use of automatic |
| Begin by obtaining all three of your reports. You want | | | | payments and always have the payments withdrawn |
| to carefully go through these reports to find and | | | | two days before they are due. When all your credit |
| mistakes. Almost all credit reports contain mistakes | | | | payments reflect paid on time in one month your score |
| and they do reflect in your credit score. If you find any | | | | will increase. After a couple of months of all on-time |
| mistakes on your report dispute them immediately. The | | | | payments your score will go even higher. |
| credit bureaus will have thirty days to fix the mistake | | | | Watch your credit limits and balances. If your balances |
| or remove the item from your report. Make sure that | | | | are all to the limit of your credit line you are considered |
| you check all three bureaus since they will all contain | | | | a high risk. Try to keep your debt to credit availability |
| different information. | | | | ratio at 50 percent. By having available credit you are |
| Make sure that you do not over apply for credit. Each | | | | showing the credit bureaus you are responsible with |
| time you apply for financing or credit cards your credit | | | | your finances and your score will reflect. |