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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

How To Fix Your Credit And Get The Best Score Of Your Life

[July 27th, 2017]

Having bad credit can feel like carrying around a burden that you can never set down; it affects so many things in your life that you may never have suspected it would. A poor credit score means you won’t qualify for the best interest rates on loans and credit cards, you may not be able to qualify for the loan you want, and you might even have trouble getting a job or an apartment.

But if your credit score could use some improvement, don’t despair. There are ways to get back on track and improve your credit score faster than you might imagine. Here’s how to change the trajectory of your credit score and get back in the world of good credit again.

Put your accounts in good standing. The first thing to do is make a list of all your creditors; a great way to do this is to order copies of your credit report from all three major bureaus. If any of your accounts are in default, meaning you haven’t paid the minimums due by the due date, and the payments are overdue, contact the credit issuer and make a payment plan so you can be in good standing again. Do this with all your accounts; creditors are usually eager to help you make a plan to get back on track.

Make your payments on time. Once you’ve made payment plans with any accounts that are overdue, be sure to make the agreed-upon payments on time each month. Set up reminders and automatic payments to make sure you never miss a due date. Making payments on time is a huge part of having good credit– it counts for 30% of your score.

Be careful about applying for more credit. Until all your accounts are in good standing and your old debts are paid off, you may want to be very selective about opening new accounts. Once your credit score is on the way up, you will begin to get offers for credit cards, but it’s not a good idea to apply for every card offer that comes your way. The best thing you can do is stay on track with your payments and be patient. Your credit will soon be on the mend!

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