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5 Tips on How to Improve Your Credit Score

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A good credit score is based on the notion that you will pay back the loan. If you can pay bills on time and not leave any bills outstanding, your credit score will increase.

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If you have taken a look at your credit and noticed it was not as good as you had hoped, then it is time to start improving it. Here are some tips that can help you make a difference in your credit score.

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Having the discipline to continue to pay your bills on time gives the banks more trust. They will then be able to lend more money to you. Continue to always pay your bills on time.

Pay Your Bills

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Open up a Second Credit Card

This is one way to create more credit for yourself. If you open up a new card, you will have the opportunity to have more credit afforded to you, making a lower utilization of your credit. This will then put more trust in banks, increasing your credit score. 

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Be an Authorized User

Often, we have such poor credit that we need some help. Becoming an authorized user on another person’s account will help you increase your score. It is like someone co-signing for you on loan.

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Don’t Close Unused Credit Cards

If you have some unused old credit cards that do not have a fee, do not close them. That affects your credit history. Once that card is closed, your score will be negatively affected by the average of your past.

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Low Credit Balance

Make sure to keep your credit balance below 30%. If you use too much, the creditors will bring down your score due to the risk involved. As long as your balance is relatively low, you will be a low-risk to the banks.

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