Credit Repair Houston- 3 tips to improve your credit score
If you live in Houston and need credit repair, there are 3 simple things you can do to improve your credit score right now to get things moving in the right direction.
Many people do not realize that there are certain things you can do to begin improving your credit score without having to hire a company to help you with the heavy lifting. Some of the things that a consumer is able to do can potentially improve their credit scores by upwards of 50-100 points depending upon the circumstances.
Tip #1– Pay down your credit cards! If your credit cards are maxed out or anywhere close to their credit limits you can pretty much guarantee that they are killing your credit score. Pay them down to a reasonable amount and always shoot to have your balance at 19% in relation to your credit limit.
Tip#2– Open a secured card if you dont have any credit cards yet. Having at least one revolving credit account open is VITAL to your credit score improving, for a list of options please visit http://www.c360services.com/creditcardscom.html . Remember though to follow the 19% rule in tip #1 above!
Tip#3– Make all payments on time! This sounds like a no brainer but we work in an industry where we see credit reports all day long and many of them have late payments. Late pays are the biggest credit sins of all in our opinion because they are easy to get and hard to make go away and they will DESTROY your credit for at least 12 solid months. Monitoring your credit can help to make sure that you are on top of things. Visit this link for a credit monitoring recommendation: http://www.c360services.com/credit-monitoring.html
If you are interested in a FREE ANALYSIS of your credit report with a FICO Certified Professional, please fill out our consultation form HERE. Credit 360 Consulting offers legal and ethical credit repair services to individuals that are looking to make positive changes to their credit reports.