How to improve a bad credit score


>>ACCORDING TO EXPERIAN, APPROXIMATELY 1/3 OF AMERICANS HAVE NOT SO GOOD CREDIT SCORES. AND IF YOU FALL IN THAT NUMBER, DON’T BE ALARMED. HI. I AM KEMBERLEY WASHINGTON, ALSO KNOWN AS #KEMCENTS WITH A FEW TIPS TO HELP YOU ON YOUR WAY #1 ADD THE GOOD STUFF, IF YOU REVIEW YOUR CREDIT REPORT AND FIND THAT AN ACCOUNT IN GOOD STANDING HAS NOT BEEN REPORTED, TAKE ACTIO IN SOME CASES, THERE MAY BE INSTANCES WHERE AN ACCOUNT THAT CAN ACTUALLY HELP BOOST YOUR CREDIT SCORE WAS OMITTED FROM YOUR REPORT. CONSIDER CONTACTING THE CREDITOR AND REQUEST THE INFORMATION IS ADDED. DOING SO CAN ALSO HELP IMPROVE YOUR OVERALL CREDIT SCORE. THE SECOND THING YOU WANT TO DO IS DISPUTE, DISPUTE, AND DISPUTE TAKE TIME TO REVIEW WHAT IS ACTUALLY ON YOUR CREDIT REPORT. DON’T FORGET YOU CAN GET A FREE COPY OF YOUR CREDIT REPORT AT ANNUALCREDITREPORT.COM. PAY CLOSE ATTENTION TO NEGATIVE REPORTING ITEMS THAT ARE DRIVING DOWN YOUR SCOR DETERMINE IF THEY ARE INACCURATE AND IF SO DISPUTE. CONSIDER DISPUTING THESE ITEMS ONLINE OR IN WRITING. THIS WAY, NEGATIVE REPORTING ITEMS COULD POSSIBLY BE REMOVED, THUS HELPING YOUR OVERALL CREDIT SCORE. #3 REDUCE DEBT RATIOS. YOU HAVE TO UNDERSTAND WHAT MAKES UP YOUR CREDIT SCORE. ONE OF THE BIGGEST DRIVING FACTORS IS CREDIT UTILIZATION. SO WHAT DOES THAT MEAN? IF YOU HAVE A CREDIT LINE OF $1,000 AND USED $600 OF YOUR AVAILABLE CREDIT, YOUR CREDIT UTILIZATION IS 60%. NOT A GOOD IDEA. USING 30% OR LESS OF YOUR CREDIT LINES CAN HELP IMPROVE YOUR CREDIT SCORE. LASTLY, REMEMBER, YOU CAN BOOST YOUR CREDIT SCORE YOURSELF. YOU DON’T HAVE TO PAY TONS O MONEY TO GET YOUR CREDIT TOGETHER. DON’T BE DISCOURAGED. KEEP PRESSING AND KEEP PUSHING AND ONE DAY YOU WILL HAVE A SCORE THAT WORKS BEST FOR YOU.

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