Credit Cards for Fair Credit by changcheng2

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									      Published based on Tips To Check And Improve Your Credit Score




Tips To Check And Improve Your Credit
               Score
                                   You're in your home watching your favorite television show. Since you're enjoying it too much, you run out of
                                   snacks. So you put on a jacket, and scramble your way outdoors to go to the nearest store. When suddenly you
                                   stop and walk your way back towards your house. What could be the reason behind this?

                                    Well, it's quite simple. You can't proceed to the store because you haven't paid your debt. If you're always like
                                   this, there is a big chance that you can't handle bigger debts. And with the overabundance of people incurring
                                   debts everyday, they are looking for quick and easy ways to improve their credit scores.

                                    Credit scores helps in building a good credit history, so if you constantly leave your bills unpaid, and don’t take
                                   your credit transactions seriously, your credit score will eventually go down.

                                    If you have credit, you must be responsible enough to repay what you owe, otherwise this will reflect in your
                                   credit report. Suppose now you have a low credit score; its time that you start improving or cleaning it up little by
                                   little. How will you do it? Consider the following tips:

                                    1. Review your credit report on an annual basis. There are three credit-reporting agencies, so you must get a
                                   copy of your credit report from each agency. Check for any mistakes, and if you do find some, you must have it
                                   corrected. This will usually take about three months before the change can take effect. If you are planning to apply
                                   for a loan, you must do this ahead of time.

                                    2. Start paying all your dues on time, and if you can afford it, always pay the bill in full. Don’t leave balances
                                   because this will greatly help in improving your score.

                                    3. If you have a credit card, you may want to start paying your remaining balance until you've reached about 25%
                                   of the credit limit.

                                    4. Credit insuring is important if you want to purchase a car. Having a car nowadays is important especially if you
                                   need to travel every now and then. Car dealers can help in arranging your finances. This is called repossession
                                   insurance. Though it can be expensive, it is one way to improve your credit score and secure vehicle loan.

                                    5. Start applying for account overdraft if you have a checking account. This means that you can issue a check
                                   more than what you actually have in your checking account without getting extra charges. The excess amount will
                                   be reflected in your monthly bill. Banks report to credit agencies, so make sure that you pay your debt on time to
                                   have your credit score improved.

                                    6. Join clubs which charges annual fees and those that report to credit bureaus. Just make sure that you meet all
                                   the club's requirements. Some clubs arrange for financing, and if you receive credit, pay your debt on time. This is
                                   also one way to improve your credit score.

                                    If you follow the tips mentioned, you're on your way to repairing your credit report. Your credit score is your only
                                   way to getting finance on credit, so make sure that once you've improved it, stay on the right track and avoid
                                   getting bad debt again.

                                    Maintaining a high credit score entails great responsibility and discipline. Start now, while you still have room for
                                   improvement.




                                   Jeremy Moscone is a writer for UniformHaven.com who offers dickies scrubs, cherokee scrub tops and lab coats
                                   as well as a lot of additional products.

                                   You can also find this article published on Tips To Check And Improve Your Credit Score, and on the tag
                                   pages car, favorite television show, nearest store, Start, three credit reporting agencies, time.




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