Credit History Tips

How to spoil credit history?

Late payments

They need to be avoided with all possible forces. If payment have by mistake marked as delayed, demand cancellation. Generally, creditors can concern with understanding cases when payment has been delayed for 30 days no more than two times.

A considerable quantity of credits

Twenty credit cards in a wallet? What for to you to have so many cards?

Bankruptcy

Worse doesn’t happen.

Many “new” credits

Reception of five new credit cards for a short time interval is similar that it was preceded by dismissal from work.

Refusal in credit issue

About refusal in credit issue entry in the credit report is automatically made. Availability of such records reduces the sum of credit points.

Moving from place to place

Moving from place to place specify, from year to year, in certain instability in life of the credited.

Not paid credit

Worse is only a bankruptcy.

A lot of short living credit accounts

Or absence of “old” credit accounts. The credit companies like to see that the person can manage long time the same account. Each time to pay in due time.

Methods of fast growth of credit points:

Availability of good credit points, promotes interest rate reduction on the credit, helps to save a considerable amount of money.

1. New credit accounts

It is necessary to receive a credit card on your name and to use it responsibly, i.e. regularly to pay accounts and not to fall outside the limits the given limit.

Try to have always the balance sheet not above than 25 % from the admissible sum of expenses on the card.
2. Co ownership of card bills

If parents or other close persons don’t object to add your name to their credit account it will promote growth of your credit points.

Each time when the account holder produces the payments, corresponding record also is added in the credit report of the co-owner of the account.

3. Credit cards with a debt collateral (secured credit card)

For the people who do not have a credit history, reception of a credit card with debt collateral can become one of exits.

Such kind of credit cards means deposit entering into the credit account. The size of the deposit is usual equal to the size of the given out credit, but not always. For the deposit sum percent, as on the contribution are charged.

Essence in that the bank, starts to send the information on operations on the account in credit agencies that the bank doesn’t do at use of the settlement (debit) card.

In reception of such card is a little financial sense. But, from the point of view of growth of credit points — yes!

4. Don’t submit many statements on reception of credit cards

If in records of credit history sharp jump of inquiries about reception of credit cards this circumstance can lower the sum of credit points is observed.

Do you still remember those good times when everybody could take a loan if one needed funds? And just imagine the state of those who have to bear that load nowadays when the world economy is facing hard times. And for those people having credits the question of credit report monitoring is as urgent now as never before. It is not only about loan monitoring, this also allows to save money, time, and nerves and be quick in solving loan related problems. Those who are looking for a place where to find out about credit reports, are invited to check out this credit report monitoring site – there is much information about credit monitoring and how to order the service.

In addition we haven’t forget about possibilities given to us by modern technologies. The online network gives a truly unique chance to learn what we require or to get anything on the best terms which are available on the market.

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