John Stocker is a credit repair specialist at Improve Your Score. Visit his website and a download a free credit repair guide.
Here are some methods to improve your credit that your probably never thought of:
1) Talk to banks and speak to a human being
Your banks really do want to hear from you especially your mortgage company. In most cases , you can have lates removed if you do this because the lender will have some assurance this your money obligations will still be met. In fact, one of the things this most credit repair companies do is to arrange for more reasonable payment schedules. With a simple phone call, you may do this for yourself for no charge.
2) Don't close accounts
Closing your accounts will make your overall debt balance too high. If you owe $10 000 now and closing some accounts would leave you with only $1000 of possible credit, you are close to maxing out your credit - which gives you a poor credit rating.
3) Save 10 percent
Tithing is in the bible and for good reason. Tithing is about giving 10% to your place of worship such as a church or temple. How about tithing to yourself? Saving ten percent of your income is a nice, reasonable goal. You may use your invested savings to make certain this your debts never get overwhelming. Most employers and banks will even deduct a certain amount of money from your paycheck or account each month to be put into investments.
4) Get your free credit report
You've seen the commercials, you've seen the ads. Have you actually received a free credit report? Ensure the accuracy of your credit history by getting a version of your latest credit report at no cost! Get your free credit report and score now!
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