How to Boost Credit Scores Easily

At a time when credit is hard to get, it is imperative that you always have your credit score in the best shape possible. There are several ways that you can boost your score with little effort. By following the few simple steps below you will find that your score will improve over the next 30-60 days.

Instructions

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1. Do not apply for any new credit. Anytime that you apply for your credit, your credit score drops. If you apply for credit more than three times is a thirty day period your score will drop by several points. Credit reporting agencies see an influx of credit requests as a sign of desperation, and they will lower your score accordingly.

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2. Opt out of any free credit offers. When you are "pre-approved" these companies pull your credit report prior to sending you any information. This again is seen as a request for credit and your score will drop. Since the credit reporting agency does not know if you will accept the pre-approved card, they automatically drop your score for a short period.

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3. Pay everything on time. Each time you make a payment on an account on time you will raise your score. By paying a little extra on the account will also boost your score. If you pay too much though, your score will stagnate or lower. Credit reporting agencies see overpayments as a breach in contract and score accordingly.

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4. Review your credit report for inaccuracies. These inaccuracies can include a wrong address, mis-spelling of your name or even the wrong middle initial. You must dispute any of these items because the credit bureaus see alternate spellings and addresses as a person trying to get credit under an alias. This will tank your score. Of course, you must review all your accounts for accurate reporting and to make sure there are no false accounts.

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5. Guard your identity. If someone assumes your name or creates an account on your identity you will have a very hard time regaining the credit score you deserve.

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You can obtain your free credit report and score by visiting http://creditreportviewer.com or following the link in the resource section below!