Fix or Raise Your Credit Score

If you are wondering how to better or raise your credit score the first step you need to take is to check and know your credit score.  Once you know your credit score you will be in a good position to determine what you need to do to Fix or raise your credit score.

First to have a better credit score you need to minimize your debt by paying outstanding bills like credit cards, fines, mortgages and car payments. You need to pay on time all of them at least the monthly payment amount. 30 days past due bill on your credit report can drop up to 60 points in your score. If you don’t have the money to pay in full the credit cards you need to maintain the outstanding balance in 30% of the credit limit(ex. 30% of $1,000.00 dollars is $300.00). Let’s say your credit limit is $1,000.00 then you shouldn’t have more than $300.00 dollars outstanding in that credit card every month. If you do this with the credit cards the creditors will consider that you know how to take care of your debt.

Remember that the higher your credit score is the lower the interest rates are for everything. Once you do your free credit score report make sure that you check that you don’t have anything that don’t belongs to you in your credit and if you do make sure you call to take care of that. Also if you have things on collections you need to take care of those as fast as you can so you can start seeing positive in your credit score. Most of these things take a little bit time but doing those things your credit will go up and you will have better interest rates and better opportunities. Your credit score it’s the key for better car insurance payment, to be able to rent or buy a house, etc. Use online bill payments, send a payment as soon as you get the bill and this way you will be raising your credit score in no time. You can check you credit score for free here at

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