5个窍门关于如何提高你的信用分数

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最佳信用评分


你的信用评分代表你的信用。 It shows how active and responsible you are when it comes to your loans. It is also a measure of your financial capability.

良好的信用评分将让你贷款审批的一个更好的机会。 Lenders will also give you a higher credit limit. You also have the lower interest rate and premium rewards. It can also pave the way to raise the amount you need for either a home improvement, a car loan, or financing your wedding or travel.

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在另一方面,如果您目前有不到理想的成绩,你就会有得到批准的贷款在有限的机会。 No worries, you can still improve your credit score. We’ve listed some of the ways to achieve good credit. Read on.

检查不符,您的信用报告

申请信用报告,以了解当前的信用状况。 This report is a detailed breakdown of your credit history. You can request at least once a year from reporting agencies or credit bureau.


如果你没有任何想法你的分数是怎么忍受,检查它的主要信用机构。 They also have a rundown to where your credit score might fall. You can also refer to online lending platforms likecreditninja.com提供有关信用评分信息。

你可能想仔细和深入审查报告的细节。 If you encounter some discrepancies, notify them to have it corrected to help improve your score. The most common errors on credit reports include inaccurate account information, fraudulent personal details, and fraudulent accounts.

除了影响你的信用评分,在您的信用报告不符,也可能会影响你找工作。 Employers also use the story when deciding to hire someone for jobs that require handling finances.

此外,大多数公用事业公司使用信用报告来确定他们是否会提供服务。 The report serves as the basis of whether the person can pay for utilities.

避免逾期付款

大多数的信用评分是基于信用的使用,信用账户的年龄,信用组合,新的信用查询,和付款历史记录来计算。 Payment history usually has the most percentage in determining your credit score.

为了提高你的信用评分,考虑delinquently支付你的债务。 You can mark it on your calendar, create a planner, or set it to bill your from your bank account automatically. You can also pay all your previous debt on your credit card. But, make sure to settle after a month or before your credit card will due. Your credit score may improve significantly.

如果您有任何错过付款时,请务必在付费立即留在你的付款状态的电流。 The longer you stay on top of your payments, the higher the impact it will give to your score.

空出你的信用申请

请记住,贷款人密切关注您的个人资料。 You may want to space out your credit application or avoid applying frequently. This kay gives the impression that you are reliant on loans and credits.

您可以将每三到六个月,或当你的信用评分变得更好或你所支付后,你的债务了。 Remember that keeping too many open loans can also send you to a financial cycle.

此外,避免同时申请多张信用卡。 Applying for several credit cards may result in a “hard inquiry.” You’ll be flagged, and numerous hard inquiries can affect your credit score. Your credit score after the hard inquiry will increase if your credit application was approved. However, if lenders deny your application, your credit score will significantly fluctuate.

请记住,您的申请是否被批准或拒绝,很难查询将保留在您的帐户两年。 So, it’s best to have multiple credit applications at the same time.

进行多次付款

如果你能偿还债务持续时间,你也可以通过支付超过最低或每月支付多笔款项提高你的信用评分。 If you’re making multiple payments in a month, it will reflect a positive indication that you are on top of your credits and capable of paying more than what’s due.

除了使您的存款余额下降速度更快,减少时间你付出的债务,使得多支付还可以让你的利用率很低。 The utilization rate is the reported balance divided by your credit limit.

利用率低作为你如何处理好自己的信用额外的见解。 Ideally, you should keep your rate at 30%. The best rate for a higher credit score is at 10%.

带走

提高你的信用评分不会一蹴而就。 It also requires consistency, diligence, discipline, and management. These traits can be learned through practice and following the tips above.

总是试图让他们记住,处理自己的财务时尤其如此。 You’ll be rewarded with a good credit score eventually.




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