- Handy Tips To Help You Increase Your Credit Score - posted by Hottest Offers on Mar 18th 2009 18:43
At some point in our lives our credit score will be looked at and that can be the decider of whether you are able to continue to make the application to purchase goods. If you have a bad history on your credit score then here a few steps you need to take to get back on track.
Firstly always check what you’re up against. Do you have a credit problem or not and how big is your debt? Websites like credit expert allow you to check your rating usually with a month’s free trials. Once you have done this start looking at getting credit yourself. Try taking out a phone contract or a credit card. These type of things will dramatically increase your credit and get you on your way. One of the first things banks like to look at is whether you’re a stable person. Have you lived in the same area for a long time do you have a land line. Are you registered on the electoral role?
I am now going to list a few things that I would not advise you do if you’re looking to take out a large loan or purchase. Do not submit multiple applications for loans as the more credit searches that are done within three months the lower your credit score becomes. If you currently have credit that is maxed out make an arrangement to add more credit to your account. In the eyes of the banks a person whose account is over its limit will look bad especially if the account bounces. If you are in a lot of debt do not ask for more, banks have really tightened up on their lending so your application will more likely be denied. If you can help it, do not miss any payments as this will counter act any further applications that you may decide to make.
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