Your credit rating is something you shouldnt take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isnt the best, or could use an improvement, here are a few ways how you can improve your credit rating.
Make Payments on Time
If you pay your bills late, youre not only incurring late fees, but youre also damaging your credit. And if you miss a payment, its even worse. Your payment history, even for minor items such as utilities and cable television, is reported to a number of different credit bureaus, so any missed or history of late payments is recorded and weighed against your credit. If you want to build and maintain your credit rating, pay your bills on time and dont miss any payments. If you have missed payments in the past, get back on track. Your recent payment history counts more than ancient history, so be sure to get back on track and then stay there.
Pay Off Your Debt
If you have debt, pay it off. Dont transfer it all to a credit card and then transfer it from card to card to card. If you just move around your debt, youre not doing anything to pay it down....
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