SOCIAL MEDIA

Wednesday, July 18, 2018

Raising Your Credit Score 150 Points In 7-14 Days



Hi my loves,

I want to start posting my videos for you all on here because I know some people like reading more than watching! To me that's SO shocking because I'm such a visual learner. So for those of you who love to read, get super excited for more posts on here.

Today let's talk about 5 tips I have if you're looking to pay off your debt and get finances in order. It's super sad but no one ever told me about credit and how it works. It's an insanely big part of our lives yet I was so reckless and careless in thinking I could fix it over night and that's not the case. So I want to help each and every one of you along the way!

5 TIPS TO RAISE YOUR CREDIT SCORE 150 POINTS IN 7-14 DAYS


***DISCLAIMER***



THESE TIPS WORK FOR PEOPLE LOOKING TO REPAIR THEIR CREDIT AND CURRENTLY HAVE A POOR/LOW SCORE, THOSE LOOKING TO RAISE AN ALREADY GOOD OR ALMOST PERFECT SCORE HAVE TO FOLLOW A COMPLETELY DIFFERENT SET OF TIPS

1. Access your credit report from a credit bureau. This is crucial in getting an ACCURATE and TRUE representation of what your score is currently at. You can get one report from one of three bureaus free each year so I like to space out my 3 reports over every four months. I like to use www.freecreditreport.com.

2. Look through your report to find all of your derogatory marks and negative impacts on your score. This will be a guideline for where to begin.

3. Decide what and how to pay. Making a game plan and sticking to it is key. Look for those negative accounts and bring them to a good standing ASAP and make sure to look into your collections and the best way to getting them taken care of, whether by the original creditor or through the collection agency.

4. If possible find a family member or close friend who can add you as a user on one of their accounts. Keep in mind you want to make sure they are financially smart and make the best decisions possible. This way it will reflect on your credit as a positive account and bring your credit up almost instantly. Please keep in mind this is not co-signing and I would not recommend that for many reasons.

5. Pay down your card and credit utilization. You want to have as little as possible taken out on these accounts because you will be occurring interest like crazy and this is over 30% of your score. Keeping your balances low is one of the main ways to raise your score.


I hope these tips help and you start to see an increase! Definitely reach out to me and let me know what you think and if you have any other questions.

Take care and more posts coming soon!

XOXO, CiCi