how to get good creditFIRST you want to find out where you stand. Get your 3 free credit reports from TRANSUNION, EQUIFAX, and EXPERIAN no credit card needed site backed by the government at www.annualcreditreport.com Besides being a good way to establish a credit history, credit cards AND lines of credit are very convenient. They allow you to:
Aside from paying your bills on time....one of the most important ways to turn your "bad","poor", or "fair" credit into good and excellent credit is keeping your debit usage down on you revolving credit and keep it between 11-25% usage. Now I know that some of you are thinking how the heck am I gonna get this done if I had that kinda extra money laying around I would not have this problem how ever the alternative to not using your savings to pay your debt down is to get more credit . CREDIT ANALYTICS  For example if you have a 10,000 credit card limit you purchases on this card should never exceed 2,500. However if you have the same card with a MAXED OUT LIMIT increasing your over all "high credit limit" to 20k would put you at a 50% credit usage which as far as your credit score looks much better than 100% credit usage. This his "how to get good credit".Ox Publshing is a company that can offer you a GUARANTEED line of credit/credit line Of 2,500-10,000 with NO CREDIT CHECK! This will boost your credit score fast!!! Click HERE to find out more info. |