How to Improve Your Credit Score – It's a Lot Easier Than You Think

What do you want? Seriously. If learning how to improve your credit score tops your "to do" list, what are you willing to do to make it happen?

Are you willing to cut your card spending?
Are you willing to scan every line of your financial report for errors?
Are you willing to chase down any problem you find and wait patiently for it to be cleared?

So, again … are you willing to do whatever it takes to improve your financial position and increase your buying power?

Think about it. Learning how to improve your credit score is the only path to a bigger, better, brighter financial future. Plain and Simple.

But before I jump into the details, let me tell you this: you are entitled to a free copy of your credit report from each of the three major credit bureaus once every year.

Yes, you read that right; Experian, TransUnion, and Equifax are all required by law to give you a FREE report upon your request.

In addition to that, if you have been denied credit for any reason, you are entitled to a free copy of your report.

By now you're probably wondering where you should begin. For starters, begin with your current credit card statements. If by chance you find an error on your current credit card bill (the actual bill – not your credit report), you should take care of it right away.

Don't sit there like a knot on a log and assume the card company will correct the error. It's up to you to scan your bills and bring attention to anything that's not right.

Then, while an item is being disputed, your credit card company cannot report any negative activity to the credit reporting agencies.

When the dust settles, your next course of action is to take a hard look at your credit card balances. If you are maxing out your credit cards, you will find it difficult to fix your credit score.

Consider paying down the balances on your credit cards. Bring your balance due below 50% of the credit limit.

Surprisingly enough, this will help to raise your credit score in the wink of an eye.

All in all, cutting your card spending, checking your credit report for errors, and correcting billing errors BEFORE they end up on your credit report are the best ways for you to learn how to improve your credit score.

Don't let this opportunity pass you by. It's now or never. For a complete guide on how to improve your credit score in weeks and reduce your loan repayments visit the links below and discover how to get lower interest payments and the loans you require.

Source by John Sullivan

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