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101 Powerful Tips for
Legally
Improving Your Credit Score
Make Credit Repair Easier
on Yourself
Page 1 of 2
Credit repair is no picnic.
It requires continual work and effort to get a good credit score
and to improve a bad one. In today’s busy life, you stand a
much better chance of getting a better credit score if you make
it as easy on yourself as possible. In many cases, people
actually have low credit scores not because of carelessness or
indifference, but because hectic lifestyles lead to oversights
and missed credit payments. There are several things you can do
to make good credit almost automatic:
Tip #72: Don’t let a bad
credit score make you swear off purchases you must make
You will make life much
harder on yourself if you deny yourself things you need - such
as medical treatments - because your credit is poor. If you have
bad credit, but need money for something urgent, consider a
secured loan or a bad credit loan with generous terms. Do not
let bad credit affect your ability to stay safe and healthy.
Some people think that
getting credit while trying to repair their FICO score is bad
idea. While it is true that you may not get the best interest
rates on the loans you get in the time before your credit score
is improved, getting loans that you need may simply be too
important to put off.
Tip #73: Make
arrangements to pay your bills when you are on vacation or ill
When we go on vacation, of
course we want to get away from it all, but when we forget to
pay our bills while away, we risk getting dings on our credit
that can affect our credit risk rating.
Make it part of your
vacation practice to pay bills in advance or to arrange someone
to pay your bills while you are away. Similarly, while you are
ill, arrange to have bills paid so that bills don’t pile up and
so that you don’t get marked as a “non-payer.” It is frustrating
to be trying to improve a credit score only to suffer a setback
over a small oversight.
Tip #74: Consider online
banking or telephone banking to make bill payment easier
If you have trouble getting
your payments in on time, consider online or telephone banking.
This simple system is now available from virtually revery bank
and can help you pay your bills in minutes - at any time of the
day or night. If you travel a lot, on line or telephone banking
can be a real life-saver as it will allow you to pay your bills
no matter where you are.
Plus, you get instant
confirmation of the paid bill and your payment is counted
instantly. You no longer have to worry about payments getting
lost in the mail or getting lost in a bureaucratic shuffle - the
record of the payment is right on your bank account statement.
If you lead a busy lifestyle
and have several late payments of bills simply because you can’t
quite keep up with the errand of paying bills, online or
telephone banking can be the solution that can help your credit
rating by effectively putting a stop to late or unpaid bills.
With these two very convenient and quick payment options, there
really is no excuse for unpaid accounts.
Tip #75: Simplify your
bills
You can often get great
discounts by choosing to get several services from the same
company - for example, a package deal from your phone company
can give you internet access, long distance phone plans, and
cable television - all on one bill and all in one low price.
Pooling your insurance into one package from one insurance
provider can have the same effect. Reducing the number of bills
you get can make it easier for you to pay your bills and so
reduces the chances that your credit rating will be affected by
non-paid or late paid bills.
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Debt Relief News MSN
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