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6 Steps to The Perfect Credit Club

6 STEPS TO THE THE PERFECT CREDIT CLUB With the help of these steps and time, you can join the 4% of Credit Sesame members that have a credit score of 800 and higher. Getting into the perfect credit club is not as hard as it sounds. Mastering good financial and credit habits is the key to improving your score and unlocking elite credit status. SET IT AND FORGET IT Late payments have the biggest impact on your credit score, so avoid them. Pay on time, every time. Schedule automatic payments on or right after your paydays. 2 BE PREPARED An emergency fund helps you avoid credit cards when unexpected costs arise, like unplanned dental work or a broken air conditioner. Save $20 a week to have $1,000 in less than a year. 3 USE CREDIT You can't have a great credit score without a responsible history with credit products. Cash-only is great for your budget, but it won't help your score. Finance a purchase. You can pay it off early if you can afford to. 4 AVOID APPLYING CREDIT APPLICATION Every time you apply for new credit, your score can suffer by a few points. New credit accounts also lower the average age of your credit accounts. Don't apply unless you really need to. KEEP BALANCES LOW Pay off your charges to avoid interest and keep your utilization ratio low. Utilization accounts for 30% of your score. Don't max out any card, even if others have no balance. BALANCE $0.00 KEEP TABS ON YOUR SCORE Watch your progress and learn where you have room for improvement. Sign up for a free Credit Sesame account for access to your free credit score and a free credit report card. 750 SIGN UP BROUGHT TO YOU BY: credit sesame

6 Steps to The Perfect Credit Club

shared by milkwhale on Nov 27
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6 Steps to The Perfect Credit Club. With the help of these steps and time, you can join the 4% of Credit Sesame members that have a credit score of 800 and higher

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milkwhale

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Economy
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