Acura Credit Tips

Tips On How To Improve Your Overall Credit Score

If your credit score isn't where you want it to be, know that you can improve it! There is no "quick fix" with credit, but you can rebuild your credit over a period of time by managaing it responsibly and below are some tips that can help:

  • Get A Copy Of Your Credit Report- Credit score repair starts with understanding what your credit report means, so go over your credit report and check for any errors or discrepancies. A credit report includes all of the information used to calculate your score and if it contains errors such as late payments, quickly dispute these discrepancies with the credit bureau and reporting agency.
  • Use Payment Reminders- Making payments on or before their due date is one of the most important factors that affects your credit score. Check with your bank and/or credit card companies to see if you have the ability to set up payment reminders that will let you know when your payment is due. Another option is automatic payment schedules, but depending on the situation, reminders may be the better choice for you.
  • Decrease Your Debt- This may not sound like an easy task, but when you start reducing what you owe, your credit score will begin increasing and you will be closer to financial freedom. To decrease debt, STOP using your available credit. It's a lot harder to reduce the amount of debt you owe if you're simply adding to it. Work out a payment plan to start paying off the credit cards with the highest interest rates first. Your payment history is a large component to your credit score because it's the record you've created by either paying or not paying your bills on time. Your credit reports will incorporate your payment history on any credit account you've had in the last 7-10 years, so it's important to make payments on time.
  • Make Your Payments On Time- Late payments, even by a few days, and collections will have a negative impact on your credit score.
  • Behind On Your Payments? Get Current And Stay That Way- The longer and more consistently you pay your bills on time after missing or making a late payment, the more your score will improve. The influence of past credit issues decreases over time and more recent positive payment patterns will be a larger influence on your credit report.
  • Paying off a collection account won't take it off of your credit report right away. It can affect your credit score for up to as long as 7-10 years.
  • Struggling To Make Payments On Time? Make sure to get in touch with your creditors or a credit counselor- This won't instantly rebuild your credit, but if you can start and continue to pay your bills on time, your score will increase over time- and seeking assistance from your creditors won't hurt your score.

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