Credit Score Scale
Getting My Credit Score Scale
Getting My Credit Score Scale is as simple as knowing all of your credit scores, then comparing them to the chart you see on the left.
Most people make the mistake of not getting all of their credit scores, and just looking at one.
You must have all 3 credit scores before you worry about Getting My Credit Score Scale, as you need to evaluate all of them to see where you stand.
Then you need to know how high you need your score to be. Many people can do just fine maintaining scores around 680, where others want it over 720. If you are taking out many loans, or are looking to refinance at the best possible rates, then you should shoot for over 720.
So now that I have covered Getting My Credit Score Scale, what do you do to raise your scores? This is a process of first examining all of your credit reports.
Do you have current copies of all of your credit reports from all of the major credit bureaus? If no, then you need to get these free credit reports using one of the sites listed here. You then carefully review these reports for any errors. After looking for errors, you then look for information that is having a negative impact on your credit scores. After you have these items, you then need to dispute these items. A dispute must be done with each credit bureau that reports anything you want changed. The services that provide your free credit scores will give you instructions on how to properly dispute items. There is a method to do this that gets the best results, so follow the instructions for each credit bureau.
It does take 45 to 60 days in order to make most corrections on each of your credit reports. That is why I suggest getting your free credit scores and credit reports so that you can review and dispute items immediately. This is a slow process, but it does work.
Raising your credit scores is very possible, but you need to have patience. One thing that you must do is to always pay everything on time, even if you have late payments in the past, as soon as you start paying everything on time, your scores will start the healing process. They will not jump up immediately, but within a few months, the negative marks start to lose their weight on your scores.
In the event you have very few credit lines (or very little credit at all), you should establish a couple new credit lines. This is best done using secured credit cards as they report to the major credit bureaus. You only need a few lines of credit to get good credit scores. You do not need to have a lot of outstanding debt, and actually, that can hurt your scores. Therefore, by keeping a few credit lines and making sure they report good things; you will slowly raise your scores as well.
If you are please with your current rankings on the credit score scale, then all you need to do is keeping paying your bills on time and monitor your credit reports every now and then to make sure your information stays accurate. Consider yourself lucky if you like your current credit scores. Most people need to raise their scores, and some have to raise them before they can buy a home.
You can use credit repair services, but be sure to use one with guaranteed results. Credit repair is not fast, and if you see claims that offer results in less than 30 days, do not believe what you are reading. You can do it in just over a month if you are a professional and have all the tool, tricks and resources. However, the average person should be satisfied with results in 60 days.
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Credit Score Scale