Credit score is one magical phenomenon that we all fail to understand until and unless we need a loan. All the time, we rely heavily on our mortgages, our credit cards and often forget to pay our bills on time without really bothering much about it. But the fact of matter is that all such things often end up hurting our credit score which plays a huge role in getting us a loan at favorable rates. Of course, there are always ways to get that score back up on its feet but how much time does it take to get your credit score up?
Well, if you are really very disciplined and sincere with your effort then your credit score can be up to normal in a few months time easily. One of the first and the simplest ways of getting your credit score up is to increase the limits of your credit cards. Most people don't know about this simple way as they don't know that your credit card limits also play a major role in your credit score.
Next thing you can do is be very punctual to get your credit score up again. This includes all your bills and payments that you might have to make. Remember, that when I say late I mean 30 days from the due date. But try to get rid of all your payments at least 15 days before the due date. This is one of the easiest and the simplest methods to get your credit score up.
The next step is to keep a keen eye on your credit report. More often than not, inaccuracies in our credit score creep in due to simple lack of information on our part. It is important to keep checking your credit report monthly or at least bi-monthly. This makes sure that all inaccuracies and mistakes are kept at bay and even if they do creep into your report somehow, you can always get them corrected. This insures that you don't hit any roadblocks while trying to get your credit score up.
Having various types of credits also helps your credit scores to go up in a way of their own. By maintaining several types of credit accounts you give out a strong message that you are very capable of paying off your loans which will ultimately lead to a better credit score in very less time.
Another smart trick of getting your credit score up fast is to keep your debts limited. This means that if you have a credit card that has a limit of around 100$ you should make an effort to keep your debt to below 50$. This is always going to be beneficial for you if you want to get your credit score back in a very limited time. If you can follow the above tricks neatly and in a disciplined manner, you can surely have your credit score back up in no time.
Author Resource:
Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. For more powerful secrets on credit repair, debt settlement, stopping collectors, rebuilding your credit, and raising your score, please read the first chapter of The Credit Repair Book and get a Free Restore your Credit E-class at http://www.hiddencreditrepairsecrets.com
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