Because every credit report is different and there are many different credit scoring models available, there is no single solution when it comes to improving your credit score. In case you didn’t know FICO score’s can range from 300 to 850, here good credit starts at 699.¬† Here are some steps that anyone can take to help improve their credit scores, however. Most people will find themselves having to start with a couple of the most important factors in credit scoring. Doing those two things, will ensure your scores are headed in the right direction. We can get give you a free consultation and break it down and explain it, we have over 10 years of experience and proven results to help you get your goals.

  1. Your payment history: Paying your bills on time, every time, is essential to having good credit scores. This is 35% of your total credit score, biggest impact!
  2. Your credit utilization: Keeping your credit card balances as low as possible is also essential. How your card balances compare with your credit limits is reflected in your utilization rate, or balance-to-limit ratio. 30% impact!
Review the Factors Impacting Your Credit Score

To better understand what’s affecting your credit, get copies of your credit reports from the three major credit bureaus. Your credit reports will show you key information including your account balances, payment history and¬†credit inquiries. Get your credit score as well. When you order your credit score with a credit bureau, you will receive a list of the top factors that are currently impacting your score. Focusing on these “risk factors”¬†will help you understand what changes you can make specific to your credit history in order to begin improving your credit score and your overall credit rating, and do so as quickly as possible.

Steps Everyone Can Take to Help Improve Their Credit Score
Check Your Credit Report Frequently

If you are trying to improve your credit score as quickly as possible, request a free copy of your credit report and review it carefully to ensure all information is accurate and up to date. You have to know what is in your credit report before you can determine what you need to do to make it better. If you plan to make a major purchase in the near future, order your credit report at least three to six months prior to applying for credit. Doing so will allow time for you to address any issues and for any changes to be reflected in the report prior to the application process. This can all be overwhelming and in reality now days we are busy with kids activates and everything going on at home, plus work. Lets Credit Services of America help you, we have different plans that can help get you back on track and into your goals! Please give us a call and we can set up a free consultation.

A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link to schedule your FREE consultation and create your personalize plan to achieve your credit and debt GOALS!
*Individual results may vary. Please call for details and to discuss your own individual