Credit scores are range from 300 to 850. The higher your score, the lower the interest rate you’ll get on bank loans and mortgages. Saving you a lot of hard earned money.
HOW TO BOOST YOUR CREDIT SCORE
# DO NOT CONSOLIDATE YOUR DEBT ONTO A LOW-RATE CREDIT CARD. If you do that, it could raise your debt to more than 30 percent of the card’s limit, and that will actually hurt your credit score. Instead…
# KEEP SEVERAL CREDIT CARDS. Now this goes against conventional wisdom. But if you spread the debt out over the cards, AND KEEP EACH BALANCE BELOW THE 30 PERCENT THRESHOLD, it may actually boost your credit score by showing lenders smaller, more manageable balances. If you are not comfortable keeping multiple balances on multiple credit cards…
# PAY OFF THE BALANCES IN CASH OR WITH A BANK LOAN, BUT KEEP THE ACCOUNTS OPEN. “The combination of reducing your credit card balances and never being late on the installment will improve your credit score,” says Evan Hendricks, author of the book Credit Scores & Credit Reports.
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