7 Steps to Improve Credit Score Over the Long-Term

CREDIT REPAIR EASE Steps to Improve Credit Score Over the Long-Term Being able to apply for new credit or loans will become a lot more difficult once you find yourself in the average or poor credit score range. 1. Improve Your Credit Utilization You can't max out your credit cards and still have a good credit score. You need to keep your ratios low. 2. Maintain a Healthy Credit Mix The credit bureaus want to see evidence that you can successfully manage a variety of credit types. For example, student loans, mortgages. 3. Pay Your Bills on Time The number one factor in your score is your payment history. Late payments can quickly drop your credit score. 4. Leverage Mortgage/Car/Utility/Cell Phone Payments Paying your bills on time, every time, can help to rebuild your credit score. Instead of paying your bills, such as your mortgage, car loan etc. 5. Apply for and Open New Credit Accounts Only as Needed When you apply for a new credit card, you will most likely activate a hard inquiry - also called a hard pull. 6. Don't Close Unused Credit Card Accounts Paying your bills on time, every time, can help to rebuild your credit score. Instead of paying your bills, such as your mortgage, car loan etc. 7. Avoid Applying for a Ton of Credit Products Each inquiry into your credit, which is what happens with each credit application, can drop your score by a few points. (888) 803-7889 www.creditrepairease.com