John Stocker is a credit repair specialist at Improve Your Score. Visit his website and a download a free credit repair guide.
Do you want to know what it takes to have good FICO scores. Then, read the following:
Pay your expenses on time.
Whether you pay all your expenses on time next the odds are good that you will make the payments on a new debt on time, too, and that is certainly something every lender wants to see. Experts think that up to 35% of your credit number is based on your paying of expenses on time, so that simple step is one of the easiest ways to boost your credit score.
Get creditors to waive late fees and charges
Banks want to get paid, and whether they think that you will pay your bill more quickly over waiving the late fee, they will most often gladly remove the fee in exchange for prompt payment.
Consider internet banking or telephone banking to make bill payment easier
Bear in mind, you get instant confirmation of the paid bill and your payment is counted instantly. You no longer have to worry about payments getting lost in the email or getting lost in a bureaucratic shuffle - the record of the payment is right on your financial institution account statement.
Start building credit early - and do it well
Each of these things should assist you establish good credit, high in turn should assist you get a good student loan rate. More importantly, establishing credit early will assist ensure that you have a long (and good) credit score rating over the time you graduate from college, which will assist you with all your helpful, large post-graduation expenses.
Free credit report
Help ensure the accuracy of your credit history by dowloading a version of your latest credit report at no charge! Get your free credit report and score now!
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