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!
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!
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.
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.
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!