Better Credit Please

Credit Talk

I know that some of you are very motivated to get a house, but what if you don’t have a good credit score? How would you get a house? So let us talk about a few tips to up your FICO score. Please keep in mind; I’m not a credit consultant or professional of any sort. I always urge people to see a professional about upping their score, but here are some tips that worked for me.

Stay current with your bills and maintain a low balance- This is the good old fashion way of keeping your credit in check. I know it’s hard to keep a low balance especially if you love to spend money on useless things, but try anyways. Just pay your bills on time, your credit will go up and stay up.

Sometimes it’s good to consolidate- This is good, but don’t always try to move one credit card to another, to another, and to another. Just keep things simple, and do it once or just pay those stupid things off. It’s better to pay them off, believe me.

See a credit counselor- If your debt is out of control, a credit counselor will help you get your credit under control.

Pull your credit- Only do this once in a while, not all the time. Remember every time you pull your credit, your score drops. Don’t get me wrong, it’s good to see where you’re at in terms of credit position, but don’t pull the thing all the time. Once every 4 to 5 months is good rule of thumb.