Getting a credit score that is high will only help you in the long run. Your credit score is a formula of your financial past and is developed by FICO who determines your score. To get a score in the 700s and 800s, you need to be sure that you never max out your credit card and pay your bills on time. Having all the bad negatives taken off your account will be one of the better things you can do to make your score higher.
Click here to learn about how to get the free auditions. Your debt plays a big role in being able to get a high credit score so paying that off on time will help.
Negative things on your account are like delinquencies, late payments, or bills that have went into collections. The first thing you must know is to not get these negatives at all so you don?t have to worry about it. To avoid these negatives, just remember to always pay your bills on time and never late. If you don?t max out your card and pay off your credit card statements in full each and every month, then that means you are in better shape than a lot of people.
If the negatives on your account are not yours, then it need to be taken care of and taken out of your account. Negatives can be removed and disputed in writing if they do not belong to you. The letter must be sent via certified mail and so you know that they will open it. In about a month you should hear back also in writing about what happened with the dispute.
The negative on your account is yours and you have no doubt about it then there is no way you can dispute it. You only have one option if the negative was indeed your fault, and that is to wait it out until it clears. After 4 years you will feel that the negative won?t affect your score as much and after 7 years it will be fully lifted from your credit report. That?s not the worst of it. If you have ever been bankrupt and have it on your credit report that stays there for ten years.
If you plan on buying a home then you will need a home loan. You will need to get your finance checked.
Never maxing out your credit card gives you a better utilization ratio. Go free casting calls at least once a year. It?s a good idea to check your credit score at least 4 times a year.
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Both comments and pings are currently closed.Source: http://forexfinanceanalysis.com/2012/03/09/credit-scoring-site/
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