How to Clean Up and Improve Your Credit Score
7 of the Best Ways to Improve Your Credit Score
By Michael G. Harris

There are many false ideas about credit scores. Every time you apply for credit or even some jobs, your credit score it checked. Improving your credit score increases your chances of getting better interest rates and saving money. Read on and discover the 7 best ways to clean up and improve your credit score.

1. Don't pay your bills late.

Be sure to pay your bills by the due date. Up to 35% of your credit score is caused by this one idea. Especially make sure that you pay mortgage and credit cards on time.

2. Don't switch too much.

Avoid changing credit companies and credit accounts excessively. Switching accounts makes you appear fickle and less than reliable. Instead, see if you can negotiate with your current company to get a better interest rate. Also, don't move around a lot or change jobs frequently Lenders like stability.

3. Make sure that your creditors have your current address.

A wrong address may make you look like a deadbeat debtor which will cause your credit score to plummet.

4. Watch your account for identity theft.

It is a growing problem and continues to get worse. Be sure to check your account statements at least once a month and report any suspicious activity immediately.

5. Learn to make a budget.

Overspending can lead to poor credit. A budget can tell you how much you should be spending on each item in your life. Also, set aside a regular day, time, and place for paying bills. This will allow you take care of your finances at a regular, predictable time.

6. Save and keep track of your money.

Most banks and employers will let you deduct a certain amount of money from your paycheck and put it into investments. Also, watch impulse spending. It can really add up and leave you with more debt.

7. Pay down your debts and avoid excessive credit.

This is one of the best ways to improve your credit score.

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