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Getting Worried About Getting a Loan? Here are Surefire Ways to Fix Credit Score by Alice Campbell






Getting Worried About Getting a Loan? Here are Surefire Ways to Fix Credit Score by
Article Posted: 03/27/2017
Article Views: 438
Articles Written: 689
Word Count: 607
Article Votes: 0
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Getting Worried About Getting a Loan? Here are Surefire Ways to Fix Credit Score


 
Finance & Investment

Your credit score is the most important consideration if you are planning to get a loan. The better your credit score, the better chances you have to get a loan approved. A flawed debt history, on the other hand, could affect certain circumstances, such as job and credit card applications.

There are different reasons as to why bad credit exists. These include incorrect balance information, unpaid collections, bankruptcy, outdated information and late payments. Whichever the reason, a bad credit score does not vanish with a simple snap of your finger. Fortunately, there are many ways to fix credit score and enjoy the benefits that go with having a good credit score.

Check your credit reports. One of the most important steps on how to fix credit score is making sure that your credit reports are accurate. Have a copy of your credit report where you can find your payment history. If you don’t have negative information on your record, it is still recommended to request your bank for lower interest rates. On the other hand, if there’s an error, you have to dispute it with the credit bureau and report a separate dispute for every error you find. Setting a fraud alert is recommended to warn lenders to validate your identity before opening new accounts.

Fix late payments. A lot of people tend to close their accounts due to missed payments, wishing that they will just vanish into thin air. However, it is still recommended to settle late or missed payments to fix credit score. It’s helpful to set due date alerts with your loans and credit cards and make sure that you will be able to pay on schedule. You can also request your lender or credit card issuer if they can forgive your late payment.

Acquire a secured credit card to fix credit score. You can do this with your bank account as collateral. Make sure to avoid credit cards that charge fees for application and go for those with low annual fees. In addition, select a card that will be stated on your credit report.

Avoid applying for several credit cards simultaneously I you want to fix credit score. Unlike applying for student loan, auto loan or mortgage, applying for numerous credit cards creates various ‘hard pulls’ regarding your credit history, which can affect your score.

Make some improvements on your habits such as the following:

  • It is best to have a couple of credit cards.
  • Don’t entertain every credit card applications that you receive through mail.
  • Make sure to pay your balance in full every month.
  • Don’t skip a payment.
  • Never max out your credit cards.

It is not easy to fix credit score as it requires changes in spending habits and one’s viewpoint on money. In addition, don’t expect results immediately. Usually, it takes about one year to accumulate a good payment history, which will affect your score and up to ten years in order to eliminate bankruptcy.

However, if you think that it’s too late to fix credit score and bankruptcy is unavoidable, it is recommended to file your bankruptcy sooner in order to get yourself back on track. Consider whether you need to file bankruptcy so that you can start with the process in advance and start fixing your life.

Author Bio:

Joan Geller writes articles about effective ways on how to fix credit score for a few years. Her works have been published in different online magazines, which have helped a lot of people especially those who are struggling on bad credit history. Learn more about fixing credit score by visiting National Credit Organization.

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