How To Improve My Credit Score? Here Are A Few Tips

How to improve my credit remains a query that is hanging heavily on people's minds

. There are a number of serious issues these days regarding issues related to poor or damaged credit. Thankfully, the process of repairing credit is nowhere near as tough as some believe it may be.

This does not mean you will be able to clear your credit up overnight. However, there are steps that can be followed to improve credit.

Here is some advice that needs to be followed right off the back: stay away from those that claim they will be able to cure all your credit ills with little effort. Such pie in the sky claims really need to be met with a lot of skepticism.

And, besides, you can often take a number of steps to effectively repair your credit on your own.

Here is one tip to follow: You will want to keep the credit balances on your credit cards at a reasonable level. Yes, this can be easier said than done but it is mandatory when you are looking to answer the question of how to improve your credit score. High balances on a credit card are never a wise move and they need to be reduced.

Never make late payments. If you are late on payments to people you owe money (besides your cousin), you will find yourself in a lot of trouble as far as your credit score goes. Late payments mean your credit score will be going down. That is just the way the process works.

Have you ever had the problem of missing a payment? More than likely you have as most people do make such a mistake now and then. Thankfully, there is a way to deal with the problem: make the proper payment to get your account current and then do not be late on payments or miss any payments from that point forward. If you are effectively diligent in this regard, you will avoid a host of problems.

Whenever possible, try to set up programs where you would make automatic monthly payments from your checking account. Most banks now offer this service. This is a simple for avoiding late payments; it will improve your credit significantly over time if it has been marred by late payments.

But you have to make sure that that you are not in the situation where you have to rob Peter to pay Paul as you don't want to incur overdraft fees. You see, your bank could make payments when your account has little or no money and then charge you fees for this. Banks love this as it is easy money for them.

Ordering a copy of your credit report and then examine it for any inaccurate information. This way, you can remove problematic items that drive your credit score down into low levels that are not helpful to your financial health. The ways to go about this are, unfortunately, far beyond the scope of one article.

by: David Kamau

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