【實用財經app】MyScore Credit Score|最夯免費app-綠色工廠好玩App

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FREE MyScore Credit Score App gives you access to all of your financial information - bank accounts, credit cards, bills, mortgages, loans, and, of course, your scores — all in one location, all under one account, all for FREE.

Raising my credit score ????

Whats the best way to raise my credit score I'm around 619-630 . What is considered a good score!!!!!!!!!!

ideally, you would want over 720. A few things to help your credit score:

1. pay on time!! even one late payment can drag your score down

2. pay down your debt - especially credit cards. Ideally, you would want to use less then about 25% of your available credit, so if you have $10K limit on credit cards, you don't want more then a $2500 balance. Paying down debt will greatly increase your credit score. Use credit in moderation!!

3. pull your credit report if you haven't already. I would assume that you have since you know your score, but that's not necessarily true. Go over your report with a fine tooth comb. Be sure to challenging anything that is not yours and get it off your report. www.annualcreditreport.com will give you access to free credit reports (it does not hurt your score to pull your own report).

4. Limit applying for new credit, each new credit application you submit will bring down your credit score. And too many requests for credit on your part will reflect poorly and cause red flags for any lenders. Inquiries into your credit you did not initiate (credit apps you get in the mail 'pre-approved' for) will not count against your credit score.

5. Be sure you have a variety of credit history - revolving accounts, installment loans, etc. This will show you are capable to handling a variety of types of credit and can help your score.

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