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So you’ve tried to increase your personal credit score for years.
You’ve seen the screenshots of a 750 credit score on other people’s profiles, but you haven’t been able to do that for yourself. Heck, you can’t even get out of the 600s.
Every time you achieve your goal, something happens, and you end up back where you started.
Not this time.
This time you’re armed with the same tips, tricks, and secrets my clients and I used to get our scores over 750. So give these tips a try and see if they don’t work for you too…
Tip 1: Paid Off Credit Cards – This is the best way to increase your credit score. Paying them off is the best practice. If you can’t pay them off, do the snowball effect and pay off the smallest balance and work your way up. Another method is to pay down your credit cards to 10% of the credit limit. All of these methods will help boost your score significantly.
Tip 2: Have a Good Credit Mix– You need credit cards to get a score above 750. Also, getting a personal loan and auto loan with a positive payment history help as well. If you have a mortgage, that’s even better. I know the world tries to convince us that debt is a bad thing. If the debt has a purpose and you are utilizing it to generate income, then it works in your favor. Having a good personal score opens the door for opportunity.
Tip 3: Pay Credit Cards and Loan Payments Twice a Month. This not only helps you to pay down the debt faster, but it helps you not to miss a payment either. Pay them once at the beginning of the month and three days before the due date.
Bonus Tip: If you have a larger payment, such as a mortgage, you can pay half on the 15th and the other half at the end of the month. Be sure to check with your bank before making half payments on mortgages. Some banks don’t allow this unless you are one payment ahead.
Tip 4: Remove Negative Items From Credit Profile– Luckily, if you have medical bills, some of those will be removed automatically this year. However, other things can be removed with a collections letter or negotiation to pay to delete. Get a copy of the collections letter I used to remove numerous items from my report HERE. Pay what you want for the letter.
Tip 5: Ask For a Credit Increase-. Sometimes, if you pay off the balance, the company will automatically increase your limit. If not, I would call and ask them. Do not allow them to run your credit to do this. You don’t want another inquiry.
In sum, increasing your credit score is simple when you apply the above 5 tips and others I mention in my Credit Hacks Blueprint Ebook. It’s a quick read! And the quickest way to increase your score. It’s only $7 today!
Finally, remember that life happens. However, we don’t wait for it to fix itself. We are intentional about putting the pieces back together.
The road to millionaire status is this way. Are you coming?
See you at the top!
Ebby
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