How to Get The Highest Possible Credit Score?
Do you have an excellent credit score? Congratulations – and don’t forget that your interest will very pleasantly increase in the years to come! If your score check is within the 700 range, you are in outstanding credit shape.
But if that’s not the case, and you don’t have the highest possible credit score, how do you raise your credit score from poor or good -- to great?
Getting – and Keeping – The Highest Possible Credit Score
You most likely are aware that your credit score is comprised of a particular three-digit number that has to do with your personal credit report information. Your credit report includes such vital information as loan payment history, credit card payment history, credit card balances, and more.
According to upgrade.com, “Generally speaking, a higher credit score can translate to cost savings, perks and more. Your credit score is a key factor considered by lenders, so a better score can help you get more credit at attractive interest rates (which can save you hundreds or even thousands on interest over time). Landlords and employers can also check your credit score as part of their due diligence process. And some of the best reward credit cards are only available to those with the highest scores.”
Working toward the highest possible credit score takes focus, diligence, and lots of work. Be patient. Do the right things. And, eventually, you will reach your much-needed credit goal.
Keep Your Credit Clean with the Creditry Store
View Credit Report: Your How-To Tips
So, you are looking to acquire the highest possible credit score? Well of course you are! However, if you’re not even close to that goal just yet – don’t worry too much. Read on for some important tips that will help get you back on the road to credit recovery.
Start with investigating your credit reports
Your credit score is based on the information in your credit reports, so where to start? Request your reports from all three of the top credit bureaus. Make sure you check each and every one for truth and for accuracy.
Get your credit reports from:
Exactly how your credit information is organized and displayed displays differently from each bureau report. But, thankfully, the information sections are pretty similar. Again, no worries. You got this!
Next Steps
Next up? Check all of the identifying information about you.
Each credit report includes private identification information specific to you. Be sure to check that your name is not misspelled, that your birth date is correct, that your social security number is right, and that any previous addresses that you have lived at are spot on.
Now it’s time to carefully examine the credit accounts listed on your reports.
On your road to achieving the highest possible credit score, make sure you begin by very carefully reviewing your information for:
Open, or past, credit accounts that are not yours
Delinquencies such as late payments and charge-offs that have nothing to do with your credit history and that you are not familiar with
Debts belonging to your spouse that were incurred before your marriage
If you discover a number of incorrect or never before seen -- or personally applied to – credit information, you may very well be a victim of identity theft. Identify theft will lower your credit score enormously, and keep you from attaining the high credit score you want and need!
How To Aim For The Highest Possible Credit Score
It’s a fact – your credit score matters. A lot! Basically, your credit score is designed to help lenders and creditors figure out whether or not you will, or can, pay them back.
Ready. Set. Go!
How to begin building a high (and valuable) credit score:
- Prioritize and keep a remarkably close eye on your expenditures. Do you really NEED that new car or that larger house or that fancy and most progressive smart TV?
- Make sure that you always reduce any debts or expenses that are truly not beneficial to your life
- When scrutinizing your credit information, correct any odd or wrong credit report errors, and be sure to remove old credit information
- Always be aware of, and report and fix, credit identification theft
- Seek out professional credit, and credit-legal, advice; you can never learn and know too much
The truth is when you have open-ended credit accounts that, for whatever reason, begin to go downhill, your creditors will increase your interest … limit, block or decrease your credit privileges … and basically halt your aim for the highest possible credit score.
So be diligent; be responsible; pay your bills on time … and aim for credit success!
Are You Serious About Getting the Highest Credit Score?
If you are truly serious about getting the highest credit score possible it takes true commitment, thought, and work. Sure, you may have to forego that unnecessary new car – but in the end, it is all worth it.
Check out, and take to heart, these high credit score tips:
Learn all about the details of your credit report and seriously assess your financial situation
Be sure to get your income, bills and expenses, and any debt into perfect balance. And always pay your bills on time!
If necessary, negotiate any debts you are having trouble paying
Safely and smartly use your credit and debit cards. No unnecessary purchases should be made!
Be a Credit Score Winner!
Visit Creditry store and take advantage of great credit tracking ideas and incredible tips designed to better manage your credit – and help make you a credit score winner.
Learn how to connect your vital credit with the rest of your finances – in all new and workable ways.
At Creditry store, we offer you:
All about your credit reports and credit scores
Daily monitoring alerts created to protect your identity and ensures your credit remains safe and clean – for the protection of your highest possible credit score
Credit education that will lead you to better and better credit scores. A poor credit score affects your financial life in so many ways. Look to us for the special tools meant to better help you monitor your credit for building the best possible credit
Access to Goalry’s Mall Cinema, which is chock full of amazing information that will further help you reach your much-needed financial success and independence
In conclusion
When searching to build the highest credit score, you must shop around in order to find the best bank for your needs. Both banks and credit unions charge fees on people’s checking accounts.
Don’t allow these monthly fees to take away any funds you need for paying your bills on time!
Start learning about finance with the Goalry mall. Every store inside the Goalry mall covers a specific area in the finance world. We have stores that cover areas such as debt, bills, credit, taxes, savings, and more. The point is that you have everything in one place. Sign up for free to get your member ID and walk into a finance management temple - The Goalry mall.
In order to comparison shop for the right bank successfully, make a list of the costs and fees from each different institution you visit and explore. Then compare these important features:
the monetary amount you need to open an account
the bank's monthly fee
does the bank offer checks for free, and if they charge for checks -- how much is the check fee?
what is the maximum overdraft fees allowed by the bank, and what is the cost should you exceed an overdraft
the bank's ATM fees
what is the interest rate paid to you for your bank funds