credit history raise

Use These Tricks to Raise Your Credit Score

What is your credit score and why is it important? Your credit score is a little 3-digit number that becomes more important to you than any other number in your life when you need to acquire a loan or a credit card. It shows your financial credibility and trustworthiness based on your past financial record and history of payments, and can make or break your loan deal. If you have a poor credit score, then chances are the bank or other kind of financial lender will have reservations about your ability to pay back the loan and they will not give you one.

Get Your Credit Back In Shape With These Tips

To avoid getting stuck in such a situation and to be eligible for loans and credit cards on favorable terms and conditions, it is best to start working on improving your credit score. Raising you credit score is not that difficult and you can do it pretty fast; if you work on it diligently, you’ll start seeing improvement within a month most likely. Here are some tips and tricks to use if you want to improve your credit score now!

Check Your Credit Report For Errors

You can get a free credit report from either of the 3 main credit reporting agencies once a year. Request one and scan through it carefully. It might have errors – like outdated information. Let them know immediately and get it fixed.

Request An Adjustment

If you ever miss a payment deadline, contact your creditors immediately and discuss with them to adjust the payment plan. Solve the matter out with your creditor quickly instead of ignoring it, and piling up the debt and bad remarks on your credit report. Moreover, you can also negotiate with them and request for a “goodwill” adjustment. Once you’ve repaid old scores you can request them to remove the discrediting remarks from your record as a favor.

Set Reminders

Always put payment deadline reminders on your phone or computer’s calendar or a physical calendar so you never miss a deadline by accident.

Pay Bills On Time

Pay all your bills on time, and this really improves your credit worthiness with these credit score reporting companies. They are really interested in looking at how often you pay all your bills, not just your credit card bills. This includes rent and other utilities.

Don’t Close Old Credit Card Accounts

As long as they’re not costing you much, keep your unused credit accounts open otherwise your credit utilization ratio may increase. This is not good as credit reporting agencies look for low credit utilization ratios.

Don’t Open New Accounts Frequently

If you apply for new credit or open new accounts too frequently, it will influence your credit score badly. So avoid doing that unless you really need it.

Counseling And Help Programs

Get some professional counselling on debt management, credit counseling, and financial advice in general. You may even enroll yourself in a debt consolidation program or a debt relief program.

Pay Off Debts Faster

Always pay off the worst and biggest debts first. Something that can help you do this faster is to always pay more, even if just a little extra, than the minimum or base payment every month. You can also pay more than once in one cycle. It will not hurt saving up a bit on other expenses to pay off your debts faster and it will really make a difference in the long run.

Become An Authorized User

If you personally know someone who has a very good credit score like a friend or family member, then request for them to make you an authorized user on their credit account. This will boost your credit score.


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How To Get A Title Loan With Low Credit

What if you really need the money but your credit score is low and you don’t have a job? Maybe there’s a payment deadline approaching and you really need some cash. We have the answer: Tennessee title loans!

Title loans Tennessee are a great way to get fast cash when you really need it and they are so easy to get. Here are some advantages of getting a title loan:

  • You don’t need to worry about having low credit – you can still apply!
  • You only need to own a car’s or any other vehicle’s title as your collateral.
  • You get the cash the very same day!
  • You even get to keep your car for the duration of the loan.

Where To Get Title Loans Near Me?

There are many title loan options in Tennessee. You just have to look for one of our many locations and get our online forms started.

How To Get Title Loans Near Me?

The process of getting title loans Tennessee is extremely simple. After you have found a Tennessee title loans location, just go to the home page and get in touch. Fill the form we have and wait for us to give you a call. Once you finish over the phone then come on down to finish filling out some paperwork. We will also go over your required items and do a vehicle inspection to determine how much you qualify for. Once approved, you will get your cash in a matter of a few minutes!

Then you are free to use the cash to make any urgent payments and get some breathing space!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.