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July 12, 2017

9 Easy Steps To Improve Your Credit Score (by 100 Points)

Improve your credit, by first increasing your credit score.

Before we get started, it is important for you to know who the source of this information is. Golden Financial Services has been in business and specializing in debt relief and credit repair since 2004. My name is Paul Paquin. I am the CEO at Golden Financial Services, and I look forward to hopefully helping you to improve your life today. OK, enough introduction, let’s dive in and learn how to improve your credit score with ease! 

Accredited and Certified Debt Relief Specialists at Golden Financial Services Can Help You Improve Your Credit.

Certified and Friendly Counselors are Available at 1-866-376-9846 if you Want to Talk About Your Debt or Credit.

Learn how to raise your credit score fast with these 9 tips (guaranteed to work)

          TIP #1 Increase credit limits when you can

The idea is to raise your credit limits while keeping your balances low. When you raise your credit limit, you are lowering your “credit utilization ratio”. In other words, the more available credit you have, the higher your credit score will be. Just remember; a low credit utilization ratio raises your credit score. 

By keeping your balances low, gives you more available credit and lowers your credit utilization ratio. Now don’t just go out and open up a new credit card, thinking that it will give you more available credit and lower your overall credit utilization ratio. When you open a new credit card, your credit score will temporarily go down, until you get some positive history attached to it.

After using and paying a credit card on time every month for nine months straight — now is the perfect time to request that your credit limit gets increased. 9 times out of 10, at this point, the credit card company will approve your request.

As your credit limit is raised, almost simultaneously your credit score goes up with it. If you have a membership at one of the credit monitoring sites you will notice every time your credit limit is increased on any one of your credit cards, within about 45 days after that you will get an alert showing your credit score just went up.

Don’t request a credit limit increase too often though, because each time you will be getting an inquiry on your credit report, and credit inquiries lower your credit score if it’s a “hard pull”. The good news is — a credit inquiry will only damage your credit score for up to one year. (credit inquiries stay on your credit for 2-years, but only inflict damage for 1-year)

Continue increasing your credit limits whenever you can.  

Don’t pay minimum payments on maxed out and high credit card debt. If you have maxed out credit cards and are only paying minimum payments on these accounts your credit score will remain handicapped. High balances are like a weight dragging your credit score down. If you have maxed out credit cards, use this debt calculator tool to learn how to reduce your balances.

          TIP #2 Use Less Than 35% of Your Credit Limit – “Credit Utilization Ratio”

Your credit score will go up if you maintain a balance that is under 35% of what your credit limit is. Once your balances go above the 50% mark (50% of your credit limit), you will notice your credit score goes down.

How to increase and improve credit scores in 2017, explained by Paul Paquin at Golden Financial Services.

 

 

          TIP #3 Pay Your Bills on Time

You can actually start to establish a good payment history after remaining current on your credit cards for only 3-6 consecutive months. 

Don’t ever be late. 

Go online and set up automatic bill-pay for your credit card payments so that the balances are paid “in full” at the end of each month. If you are unsure about how to do this, just call your credit card company and they will walk you through setting it up.

          TIP #4 Remove Collection Marks

Collection marks can really lower your credit score.  

If you see a collection mark on your credit report that is yours, you can call the collection agency and pay it off.  However, make sure that if you do pay it, or settle it, the collection agency agrees to have it removed from your credit report and not just report it as “paid”. You would be better off not paying it and just letting it ride out the statute of limitations in your state so that it falls off your credit report.

In many cases, a person will try to do the right thing and pay off a third-party debt collection account. Ironically, their credit score then drops even lower. So we are warning you now, do not pay a third-party debt collection account unless the collection agency agrees — in writing — to have the debt and any related marks, removed from your credit report after you pay the agreed upon amount. The credit reporting algorithm apparently isn’t sophisticated enough to interpret the fact that it’s a positive action on a collection account — you paying an old debt. The credit reporting agencies just see activity on a third-party debt collection account, and assume it’s bad, yes — very sad!

If you need help with disputing a debt on your credit report, call 1-866-376-9846 and an IAPDA Certified Specialist at Golden Financial Services can assist you. There is also a program available called “debt validation” that disputes debt for you, and it comes with credit restoration. You can read about how a debt validation program works here.

          TIP #5 Monitor Your Credit Report Monthly – This is an important step that everyone should follow and especially if you are working to increase your credit score fast.

FreeCreditReport.com is a great site that most of our clients use after graduating our debt settlement program, in order to monitor and rebuild their credit score. FreeCreditReport.com sends you emailed or text message alerts whenever your score goes up, when it goes down, when something negative falls off your report, when something negative goes on your report, etc…  Monitor your success!! Plus, monitoring services help you to protect your identity. If someone tries to use your name for something

Plus; monitoring services help you to protect your identity. If someone tries to steal your identity you will be alerted immediately, rather than not knowing about it until it’s too late.

There are many different monitoring tools you can use including Credit Karma and Experian.

          TIP #6 Use Your Credit Cards 

Use your credit cards at least once per month to buy gas or make small purchases. Pay all of the balances “in full” each month (best practice) when the bill arrives or at least keep your balances below 35% of what their limit is. If you get a credit card and keep the balance at zero dollars, but have not used the card once in twelve months, you are not doing anything to improve your credit score.

Keep in mind; if you are paying your accounts off “in full” each month, you are saving money in interest and your credit score will increase fast! And, if you are really smart, you will have a credit card that pays you in the form of “reward points”, “cash-back” and “bonuses”. So each time you make a purchase on your credit card, not only are you avoiding interest by paying the balance “in full” each month — you are also forcing the credit card company to pay you every single month.

Why use your debit card or cash when grocery shopping, when there are credit cards available that pay you “cash back” on all of your grocery store purchases? I have a Bank of America credit card that pays me every month — it pays me up to 3% of what I spend at certain grocery stores. Yes, every single month I transfer the money right into my checking account. Just be careful not to get a credit card that has annual fees.

If you are new to the world of building credit, then you may need to start with getting a secured credit card where you put up real money as collateral.  This is a guaranteed way to get your first credit card if you cannot get approved for an unsecured credit card. Just make sure you do your research and get a credit card that pays you.

          TIP #7 Have Secured Debts and Unsecured Debts – Mix of accounts

Your credit score will improve if you have a mixture of revolving credit and installment loans. Revolving debt is credit card debt, and installment loans are like your mortgage or car payment. I recommend having 3-5 credit cards, a mortgage payment, and car loan or some other type of installment loan.

I recommend having 3-5 credit cards, a mortgage payment, and car loan or some other type of installment loan.

          TIP #8 Minimize the number of credit cards that you open (too many can lower your score)

This “credit stuff” is not easy. I know it can be confusing, but if you just practice these tips you will see your credit score improve. There is a happy medium, for when it comes to how many credit cards you should have. Too many credit cards can adversely affect your credit score, and so can having too few. And what’s even more confusing is the fact that credit score algorithms are never the same and even on a monthly basis we notice they change.

My answer is this…

SUPER TIP TO INCREASE YOUR CREDIT SCORE…Have 3-5 credit cards and don’t open any more than that. If you have 7 credit cards right now, as you read this post, don’t worry that’s not bad but don’t get any more. The “age” of your credit card is what matters the most. When you have a credit card for 10+ years — of perfect payment history — this carries a tremendous amount of positive weight that lenders love to see. That is why the worst thing you can do is to close an old credit card that you don’t use much. Instead, start using it more and keep it. Often, the credit card company will work with you on merging that credit card, into one of their newer cards that offer more reward points or cash back. So in other words, let the credit card company know that you are considering closing it (even though you really aren’t considering closing it); unless they merge that card into another card that offers better rewards and has a higher credit limit. Get a credit limit increase while you are at the negotiating table. Verify that it will not show you opened up a new credit card and verify that the account number is staying the same on your credit report.

          TIP #9 Adding Someone as a Joint Account Holder to Increase Credit Scores ***SECRET BONUS TIP***

I absolutely, love this step, because it’s easy — and guaranteed to give you a quick boost in your credit score. It works every single time.

Kids; this next one is for you.

If your parents have a few credit cards with low balances (all below 35% of what their credit limit is) and their overall credit score is above 700 — get added to one of their credit cards. You can then skip the hassle of dealing with a secured card and grow your credit score fast.  Ask them to add you as a “joint account holder”. If you just get added as an “authorized user” it won’t raise your credit score as much. 

When you get added as a “joint account holder”, you are now equally responsible for that card. Stan Lee says it best, “WITH GREAT POWER THERE MUST ALSO COME–GREAT RESPONSIBILITY”, which equals great rewards — and in this case, your credit score will go up fast.

I mentioned above, make sure your parents “have a few credit cards that have a balance of less than 35% of what their credit limit is and their overall credit score is above 700.” I say this because you want to make sure your parents are likely to keep the balance low on the card you are getting added to. If they have five credit cards that are all maxed out, and one in good standing, you probably don’t want to ask them to add you to the one in good standing. There is a good chance, they will max that account out eventually too, based on their history, and now they could be in jeopardy of hurting your Virgin credit.

This is your credit on the line — be smart.

That’s it, folks — I hope you use these life-changing tips.

It’s really not that difficult to do but to increase your credit score takes practice, perseverance, motivation, knowledge and hard work.

Is it too late and you already have maxed out credit card debt where it’s near impossible to follow these rules?  Credit card relief programs can assist you with paying off these high balances. In the end, you will be debt-free and you can then start working to increase your credit score by following these rules.

Whatever the case is, here at Golden Financial Services our debt enrollment specialists are here to assist you with any questions you may have about increasing your credit score or credit card relief programs at 1-866-376-9846.

 

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    How is my score calculated?

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      -35% affects Payment History. Meaning any lates; collections; charge offs; bankruptcies; judgments; liens or the such will hurt the score. All is time based, the older the information the less it is contributing to the scores.

      -30% affects Utilization. It is best to have several accounts with low balances distributed then it is to have fewer accounts maxed out. To figure utilization: Balance (divided) by Credit Limit = percentage. Lower than 10% recommended per account, this is one of the fastest means for increasing the over all credit score.

      -15% affects Established History. The longer you maintain open accounts with creditors the better. When first starting out of course this is not easy; but this is where getting added as an Authorized User to another persons established credit comes in best. Remember that the contributor must have an account that has long history; clean payment record; high credit limit; and low balance. Also need to check with the creditor to insure that they have a policy to report authorized user accounts to all three major credit reporting agencies.

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    I want to buy a new car, but I am afraid that these car dealerships will run my credit too many times and ruin it. Please give me some advice.

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      Paul Paquin August 15, 2017

      John, here’s how it works. Mortgage & Auto industry has special rules for inquiries: all applications for credit resulting in pulled credit reports within a 14 day period of time will only count as one inquiry & will be suppressed from affecting credit scores for 30 days. So if you plan to go shopping for a mortgage or a car, do your research first picking what companies you want to apply with and do this all within a 2 week period of time so that the scores are not affected too much.

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      Your credit file is continually updated with new information from your creditors. The FICO score is calculated based on the latest “snapshot” of information contained in your file at the time the score is requested. Therefore, your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today. Fluctuations are quite common.

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      Your scores may be different at each of the three main credit reporting agencies as the FICO score only considers the data in your credit file from that agency. If your score from the three credit reporting agencies is different, it is probably because the information those agencies have on you differs. Also keep in mind that there is a different FICO formula for each credit reporting agency.

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