| Increasing credit scores is somewhat of a mystery if | | | | Second move I did was to distribute my balances |
| you have no understanding of how credit moves and | | | | around from one account to the other to keep them all |
| how it's affected. I needed to increase my credit score | | | | below 50% of the total credit limit I had for each |
| quickly. I was applying for new a new job and I needed | | | | individual account. This helps the model give you a |
| to make the best impression possible. Here are two | | | | better score. |
| tips I found on a credit manual that helped me increase | | | | Third, I asked for a favor. I know it sounds weird but |
| my credit score. | | | | an increasing credit score technique I picked up was to |
| The first thing I put into use was the option to opt out | | | | add you to a family members account. In my case |
| of the credit bureaus. I did this, not so much as a | | | | that was my sister. She was brave enough to add me |
| increasing credit score tactic but to not have any of | | | | as an authorized user. With that, her good credit |
| my other creditors monitoring my every move. I | | | | accounts became part of my credit history, without |
| learned that creditors subscribe to credit bureaus | | | | making a single payment. All her years of history, high |
| reports, which give them all your financial activity! | | | | credit limits and established profile boosted my credit in |
| Every time you apply for new credit, change your | | | | a way that it would have taken me years to do. |
| address, banking information, they get notice of it. I | | | | Needless to say I owe her big time. |
| didn't want my creditors keeping tabs on my so I | | | | Those two techniques worked great at increasing my |
| opted out. They even know if you're disputing any | | | | credit score and I didn't have to worry about what |
| accounts, which many of us do to remove erroneous | | | | was going to be found on my credit report when I |
| or bad accounts. Another reason I opted out was to | | | | applied for the new jobs. Now I can start to repay the |
| keep my current credit cards from increasing my | | | | favor to my sister. She has two sons and a thing for |
| interest rate because they felt like it, based on what I | | | | Vegas. You know who's babysitting. |
| was doing. | | | | |