建立良好信誉的5个简单步骤

16 评论

如何建立良好的信誉是我一直被问到的问题之一。

I’自从我获得学士学位以来,我一直在关注我的信誉’学位。定期检查我的信用报告 这是确保我的学生贷款在还清时仍保持良好状态的最简单方法,没有通过身份盗用以我的名义开立任何信用卡,而我要求关闭的信贷帐户实际上已经关闭。

Want to do the same? 您 can get 您r 信用报告 和 check 您r 信用评分 对于 free.

尽可能多 18%的信用报告中包含错误 and I’我曾经是身份盗用的受害者,所以我’我沉迷于始终确保我知道我的信用评分是什么’在我的信用报告中。

Because bad credit means 您 can be denied credit when 您 need it (like to qualify 对于 a mortgage in order to 购买 a house) or will have to pay higher interest when 您 borrow, errors on 您r report aren’t just inconvenient, they can be expensive. 您 need to get errors removed from 您r 信用报告 as soon as 您 see them, which is just one of the many reasons it’s so important to monitor 您r score.

由于信誉欠佳的高昂成本,人们一直在寻找一种提高分数的简便方法— sometimes being tempted by scams promising to 救命 您 建立 good credit 对于 a monthly or annual 费用. 唐’t!

唐’支付昂贵的信用监控服务

那里 are a number of shady financial businesses both online 和 off that promise to “repair” bad credit at a cost. Most of them function by having 您 take out an expensive loan directly from them, which 您 pay back at a high-interest rate in addition to their “fee” 对于 救命ing 您 fix 您r credit. Some 不要’t even do that much — some just take 您r money!

您 cannot 购买  good credit, 您 can only 建立 良好的信誉。

避免任何声称可以做到的事情“help” 您 improve 您r credit. The only way to 建立 good credit is through diligence 和 time.

To 建立 good credit the first thing 您 need to do is get 您r 信用报告

您r 信用报告和信用评分 are two different things. 您r 信用报告 is a summary of current 和 recent loans in 您r name, with their respective payment histories. 您r 信用评分 is a numerical number assigned to reflect 您r creditworthiness based on 您r 信用报告.

您 can request 您r credit report 和 您r 信用评分 对于 free 这里.

对于大多数 事情,您的信用报告就是查看帐户状态并确保没有错误的全部。我个人只要求提供我的信用报告。我知道只要那里一切看起来不错,我的信用评分也会很好。另外,由于信用评分的目的主要是为了有资格获得更多债务,因此我不’我不打算承担任何责任’感觉没有必要知道我的 信用评分。根据您的财务目标和计划,您的情况可能会有所不同。

If 您’re looking to improve 您r 信用评分, the 5 steps below will 救命 您 建立 good credit over time!

如何建立良好的信誉

1.支付 all 您r bills on time 和 in full

当您付款时’应该给他们付款是 传授建立良好信用记录并获得良好信用分数的最重要部分。无论您每月承担什么义务,都应尽力在到期日前2-3天付清所有款项,以确保 you’re never late or miss a payment. One of the easiest ways to do this is to set up an automatic transfer from 您r bank account directly to the bill so 您 never have to worry about it.

我最喜欢的策略是 用一张信用卡收取我所有的账单,然后设置从我的银行帐户到该信用卡的自动付款。这样可以使我的所有账单全额按时支付!

我不能强调这有多重要 is! As little as 1 or 2 missed payments can be reported by 您r service provider to a 信用报告ing agency, where they will stay on 您r 信用报告 对于 年份。它’s not worth it 被拖延付款困扰了很多年!

2. Pay off 您r debts

The more debt 您 have, the riskier 您 are as a borrower. While debt itself is necessary to develop a 信用评分 in the first place, having too much of it will make lenders wary of giving 您 more money. Obviously, the more 您 owe, the less likely 您 are to be able to pay it all back.

Need some kick-in-the-pants motivation? 您 might like this post: Pay 您r F#$%ing 债务

If 您’re looking to improve 您r credit in order to qualify 对于 a new loan, one of the best things 您 can do is pay off 您r existing debts. Not only does this improve 您r 信用评分, it’s also great 对于 您r net worth. The less money 您 owe to creditors, the more secure 您r finances are overall, so always make debt repayment a priority. 您 do not want to take on new debt when 您’re already struggling to get rid of the debt 您 have.

3. Keep 您r credit utilization low

一件事’s terrible 对于 您r credit is living completely maxed out. Unfortunately, many people do this, 和 it’人们甚至不用担心债务负担,直到他们最终用光了钱来借钱之前,这并不少见。

Many people get into trouble with debt because they treat credit as disposable income. Whenever they get a new credit card in the mail, they go on a shopping spree. Not only does this behavior get 您 into trouble when those bills come due, it’s bad 对于 您r 信用评分 because 您’总是生活在边缘。

您 should make an effort to never carry a balance greater than 1/3 of 您r credit limit at any given time.

This means if 您r credit card has a limit of $3,000, 您 should never have more than $1,000 charged to the card. Obviously there are instances where this cannot be avoided (ie. booking flights 对于 an international trip!) but if 您 ever charge more than 1/3 of 您r total credit limit to 您r card, make sure 您 make a payment right away to bring the balance down.

您r 信用报告 will list the highest balance 您 have carried on each 对于m of credit 内 the last 12 months,所以 even if 您 have brought 您r balances down, creditors will be able to see if 您’ve最近走到了极限!

Keeping 您r balances below 1/3 of 您r limit isn’t only good 对于 您r 信用评分, it keeps 您 away from financial catastrophe. 您 never want to find 您rself in a position where 您 owe more than 您 can comfortably pay off in a single month. 

If 您 have a lot of high-interest debt in the 对于m of maxed out credit cards, it might be in 您r best interest to ask 您r bank about a line of credit or debt consolidation loan. This will let 您 reduce the balance on 您r credit cards, improving 您r credit utilization, as well as reduce the interest rate of 您r debt.

4.使用不同类型的信用

What types of credit 您 have or have had in the past also impact 您r 信用评分. A cellphone bill or credit card doesn’与汽车贷款或抵押贷款一样重,仅仅是因为它们不’t represent the same timeline 和 level of responsibility. For this reason, larger loan balances 和 those with longer repayment terms typically influence 您r 信用评分 more than smaller balances with shorter timelines.

这是它的原因之一’s hard 对于 您ng people to 建立 good credit: they just haven’t had 这么多年还欠这么多债务!

If 您’ve never had any type of debt before, chances are 您 不要’t 拥有良好的信用评分。这就是为什么有时有人使用信用卡或获得汽车贷款(即使他们负担不起)还是很有意义的原因。 It might seem crazy to needlessly pay interest on a balance when 您 不要’t have to, but if 您’re doing it to 建立 信用记录, it can make sense in some cases. If 您 have no credit history whatsoever but are looking to 建立 good credit, apply 对于 a credit card, line of credit, or personal loan, make some charges to the balance, 和 then spend 3-6 months paying it off.

5. Don’不要一次承担太多

If 您 apply 对于 a car loan 和 3 credit cards in a single month, it’s going to set off red flags 对于 the 信用报告ing agency. Building a good credit history is a long-term play, so be patient 和 pace 您rself when it comes to borrowing. If 您 recently applied 对于 a credit card 和 were declined, follow the above steps 1 through 4 和 try again in 6 to 12 months.

It takes a long time to 修理 or 建立 good credit, so 您 have to have a long term perspective — just like with any other area of 您r finances!

I get my 信用评分 和 信用报告 emailed to me every month, 和我 encourage 您 to do the same!

您 Might Also Like

关于作者

16 评论. 离开新的

  • 不知何故,尽管我有很多金钱上的错误’多年以来,我’能够不知不觉地遵循这些原则。

    去年,我才意识到如何实际管理财务,当我登录查看其中一个免费站点的信用评分并看到我确实拥有一个不错的站点时,我感到非常惊喜。不过,我确实有数千笔信用卡债务,我还清了这笔债务,而且债务激增了!惊人。

    由于我的良好信用评分,我’我将研究更多有关旅行黑客的知识。我和我丈夫一直以为我们’d存钱,到我们年老而灰白的时候,可以在一个假期里度过美好的时光,但这听起来太可怕了!我们’已经结婚近9年了,我们’我从未有过假期或度过蜜月。迟到总比没有好,对吧?

    回复
  • 请求增加信用(但仍然保持利用率低)是我最喜欢的建立信用的简单技巧。我有一张目标卡,长期停留在500美元。现在,每隔6个月左右,我会在下拉菜单上单击“增加请求”。其他帐户也一样。

    回复
  • 每次检查信用报告时,我的信用额度都会增加。他们是注意我的责任还是仅仅是巧合?一世’我没有抱怨,尽管我’永远不需要在我的卡上放那么多钱,因为这会使我的使用率降低。上次检查是在我还清学生贷款时,真的很高兴看到那里的0余额!到目前为止,还没有欺诈行为,据我所知,我的得分可能还不错。

    回复
    • hahaha they definitely pay attention to 您, it is NOT a coincidence! Many people will get a new credit card offer or limit increase when they pay off a big debt.

      您 likely have an excellent score (otherwise they wouldn’t be offering 您 more credit!)

      回复
  • 在买房之前,我从来没有调查过我的信用评分。令我惊讶的是,即使十年后全额还清信用卡,并且数年的电费,房租和手机账单始终按时还清,’达到了我的期望。

    回复
    • 您’re probably TOO GOOD at paying 您r bills! It seems counter-intuitive, but leaving a balance on 您r credit card 和 taking 3-6 months to pay it off instead of paying it off right on its due date is way better 对于 您r 信用评分 than paying the bill in full each month =\

      It’一款困难的游戏,因为它可以偿还债务!

      回复
  • 头像
    罗茜·邓普顿(@rotempleton)
    2016年4月7日下午1:38

    我对信贷利用一无所知。我在信用卡上花了很多工作费用(都是因为我不’既有公司名片,也要打招呼),我’我已经一到两次接近我的极限了。但是我每个月都会全额还清。我最好提高自己的限额而不使用多余的房间吗?

    回复
    • 那里’s pros 和 cons to both! Raising 您r credit limit will 救命 您r credit utilization 和 therefore probably improve 您r 信用评分, BUT a higher limit can stop 您 from securing more credit later (for example if 您 take a credit card from $3,000 limit to $10,000 then 4 months later try to get a car loan, 您 might not be approved because 您 already have a lot of credit). So it depends a lot on 您r circumstances.

      If 您r limits are fairly low (<$3,000) 和 您 want/need to improve 您r 信用评分 和 不要't need to apply 对于 any other credit soon, raising the limits a bit will definitely 救命! I hate to tell people to accept more credit but it really works if 您 want a higher 信用评分.

      回复
  • 精彩的提示。我们不’t have 信用评分s in my country, but some of our banks are keeping records of all our debts, late payments etc 和 will use this information if 您 need a loan or anything similar. It’不像美国那样集中和官方,但是我们’大概很快到达那里。

    回复
  • Hey, I just tried to register on both Equifax 和 TransUnion 和 they both charge a 费用 in order to access 您r score. I thought I had good credit (always pay my bills; have no outstanding obligations, etc) but I was recently denied a credit card 和我 不要’不知道为什么。可能是我的信用额度和学生贷款债务,但我从未错过任何付款。

    回复
    • 您r 信用报告 is free, but 您r 信用评分 is not.

      你不’无需知道您的信用评分(除非您真的非常想要!)— 您’仅在信用报告上就能获得所需的信息。收到后,请寻找任何遗漏或逾期付款。这就是我丈夫发生的事情!他被拒绝了信用卡,当我们收到他的信用报告时,结果发现他错过了手机账单上的2笔付款五年前= p这是一个小小的错误,很久以前,六个月后,他申请了再次刷卡,他知道了。

      您rs might be something like that so it’值得一试!

      回复
  • Is it true that 您 do not need to use 您r credit card every month to 建立 credit? I do not use my card much but put my Netflix account on their so I have something being paid. I heard having this simple charge is just as good 对于 my credit as purchasing more expense items. Know anything about this?

    回复
    • Using 您r credit card is better 对于 您r credit than letting it sit unused! After all, this is how 您 建立 credit history — if 您 open a credit account 和 never use it, there’s no credit history.

      Charging regular expenses 和 then paying them off each month is an excellent way to 建立 credit history while still keeping 您r budget in check =)

      回复
  • I’我的身份被盗了,我’m still fighting, 4 年份 later, to get negative marks removed. At some point, legal advice can be a good investment. 那里’s only so much 您 can do with negative marks on 您r credit!

    回复
  • One awesome thing my parents did 对于 me growing up was 救命 me 建立 my credit from a very 您ng age. They signed me up 对于 a credit card under my name 和我 would use it exclusively 对于 gas during high school. They would pay it off every month (thanks 对于 the free gas mom 和 dad!) so it would 建立 my credit starting when I saw 16 even though I wasn’t working yet.

    一旦开始工作,我就会懂得如何负责任地使用信贷,并可以立即注册一张甜蜜的2%现金返还卡!他们使我在信用生活中有了一个很好的开端。我绝对会为我的孩子们做同样的事情!

    回复

发表评论

您r email address will not be published. 必需的地方已做标记 *

填写此字段
填写此字段
请输入有效的电子邮件地址。
您 need to agree with the terms to proceed

该网站使用Akismet减少垃圾邮件。 Learn how 您r comment data is processed.

菜单