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Improve Your Credit Score – High Tech and Low Tech Ways
Improve your credit score! Whether you’re addicted to high-end smartphones or barely use email, here are some everyday tips you can implement. These routines will boost your credit score to the top of the charts:
1: Make sure your credit report is accurate. If your credit score is calculated from incorrect information, it can suffer greatly. It is estimated that 25% of credit reports contain some type of error.
The high-tech way: You can request a free copy of your credit report from Annualcreditreport.com once every 12 months. These websites are provided by 3 major credit bureaus. Checking your credit report is a great way to catch any mistakes before they damage your credit.
The low-tech way: You can request your credit report by phone or mail. By phone: Call 1-877-322-8228 and go through a simple verification process. Your report will then be mailed to you within 2-3 weeks. By email; Download and complete the application form (available on the website) and mail it to the Annual Credit Report Application Service
PO Box 105281
Atlanta, GA 30348-5281
Your message will be delivered in 2-3 weeks
2: Pay your bills on time. Payment history is 35% of your credit score, so paying your bills on time must be a top priority.
The high-tech way: Technicians have many options of applications that can be used to track expenses and invoice payments. mint and pageonce are 2 of the many apps that can set up all your accounts in one place. These apps will remind you when bills are due, track expenses, etc.
Another way to make sure you don’t miss any payments is to set up automatic payments from your online banking to your mortgage, auto and credit card providers. This will ensure that you don’t accumulate any late payments that can eat up your credit score.
The low-tech way: If you still go to the mailbox for your bills, implement this practice; pay your bills the day they arrive. This may sound a bit harsh, but paying them when you get them has its benefits. The bill won’t have a chance to get lost in the pile on your desk AND you don’t have to think about it anymore.
Another low-tech option is to have a desk calendar that has all your monthly bills marked by the date they are due (not their due date). Place the calendar in a place where you can see it every day so you don’t miss the due date.
3: Keep your credit card balance low: After paying bills on time, account balances are the most important factor in your credit score (30%). Running credit card balances close to the limit has a dramatically negative impact on your credit score. Don’t let this happen to you!
High-tech way; as mentioned in #1, there are many apps that can help you track your expenses and budget. With a budget, you can see where your money is going and plan for bigger expenses (new furniture, vacations, etc.) without loading up on plastic.
The low-tech way: get a pen and paper and create a budget. Track your expenses to make sure you know where your money is going. Open all of your credit card statements the day they arrive and do your best to pay off your balances each month.
High-tech and Low-tech tip: While responsible credit card use helps boost your score, it’s a good all-around financial practice to make sure you don’t run into unnecessary debt.
If you end up using your credit cards and can’t pay off the balance each month, MAKE SURE you don’t charge more than 30% of your limit (eg: never charge more than $3,000 on a credit card with a $10,000 limit). Keeping your balances low will go a long way toward improving your credit score.
4: Don’t close, lose or ignore those old credit cards. The length of your credit history is 15% of your credit score. The optimal credit history is 30 years long! Work hard to make sure those old credit cards are doing their job to boost your score.
Remember that credit cards must be used once every 6 months to be included in your credit score.
The high-tech way: set up one of your accounts to automatically charge your oldest credit card. It doesn’t matter how small the amount. Any new balance will update this credit card with the credit bureaus, so all that great long credit history will show up on your credit report.
The low-tech way: carry your oldest credit card in your wallet and use it once a month to buy gas or groceries. This purchase will keep your card active and count positively on your credit report. Pay it off at the end of the month so you don’t get hit with any finance charges.
By putting some or all of these tips into practice, you can maximize your credit score and secure the best rates on mortgage, car and credit card loans. And whether we are high-tech or low-tech, it is an attractive goal for all of us.
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