Home > Tag Archives: improve credit score

Tag Archives: improve credit score

5 Things You Do Every Day That Can Improve Your Credit

Credit Score Distribution

Among all the strategies out there for improving your credit standing, it’s important to take note of the things that are easy. Some of the best ways you can help your credit are so ingrained in your day-to-day routine, you’re probably working on your credit without really thinking about it. The simple, carefree route to good credit — sounds nice, ... Read More »

    I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

    "Credit rating" handwritten with white chalk on a blackboard

    “Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card to help improve my credit. ... Read More »

      How Long Will it Take to Get Good Credit After Bankruptcy? – Amy

      “Dear Lewis, My husband and I filed bankruptcy chapter 7 in Dec. 2010 and it was discharged in march 2011. I have previously worked as a bank teller before we moved states( which caused our bankruptcy because we couldn’t sell our house). I have had 2 great interviews for bank teller but my credit report denies me a job. How ... Read More »

        You Really Helped Me Boost My Credit Score. I’m Forever Grateful. – Ericka

        Ready to Collapse

        “Dear Steve, I have followed your advice before and glad to see a great change in my credit report. I used to have a horrible score of 305, which is the low of the low. When I lost my job in 2007 and my high income, I defaulted on 2 of my credit cards and 2 cell phone companies. I ... Read More »

          How Can I Improve My Credit Score? – Dylan

          Ready to Collapse

          “Dear Steve, 30 years of age. Need to improve credit. Tried MSI. Worked on it myself. Score went from about 600 to 630 in almost 10 months. Just wondering if you have any ideas on improving my score. I gave my MSI review on your website. I’ve already been working on this for a while but all advice is considered. ... Read More »

            How to Get All the Cheap Credit You Want

            Interest Cost to Pay Off Various Credit Card Balances

            Today, the average person pays between 16 and 17 percent on credit card balances. While interest charges may seem low when you look at the monthly charge on your statement, over the long run they can really add up. In fact, the average person can put a hundred bucks or more in his or her wallet just by getting a ... Read More »

              Credit Scoring: How it Works and How You Can Improve Your Score

              Ready to Collapse

              What Is Credit Scoring? If you have tried to get credit, a loan or a mortgage, you may have had your credit information graded for risk potential. This is called “credit scoring” or “risk scoring.” Credit scoring is one factor that lenders or creditors consider to determine if they should give you a loan, a mortgage or extend you credit. ... Read More »

                I Paid Off an Old Debt and My Credit Score Went Down. – Michelle

                Ready to Collapse

                Michelle “Dear Steve, To pay or Not to pay…. that is the question. Have a old debt (over 2 years old) I have been told not to pay it because if I do it will make a negative mark on my credit. I know this is true because I paid off something else which was in collection, it now says ... Read More »

                  I’m Trying to Figure Out My Credit Report. Help! – Alex

                  Ready to Collapse

                  “Dear Steve, My current situation is not that bad. I bought a house last year and I have a few credit cards. My credit score has gone up a few points from last year but still in the poor category. Have not had any late payments for about 6 years now, all my negative history is very close to that ... Read More »

                    Is It Possible to Easily Increase My Credit Score? – Tamara

                    Ready to Collapse

                    Tamara “Hi Steve, I graduated with my Masters Degree this past June 2009 in Speech Pathology. I have over $100,000 in school loans and a car loan of approximately $10,000. My credit score is 716. I am trying to increase my credit score to above 720 to qualify for a conventional housing loan to purchase a home. My income is ... Read More »

                      Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.


                      “Dear Steve, I’m 35, new dad, have a terrible credit score(in the 400s), want to improve my score for a better quality of life, and most of my debts are 8 years and older. I want to find specific information on how to remove old debts from my credit report. (ex. To whom do I write my letters? What should ... Read More »

                        My Credit Score is Dropping. Is Yours?

                        Ready to Collapse

                        I am pissed off. I carefully monitor my credit report and credit score. In fact I just refreshed my consolidated credit report again today and guess what, my score from all three credit bureaus has dropped. But the spread among all three is now 17 points different rather than the 19 points that it was. Credit scores are not designed ... Read More »

                          Get My FREE Get Out of Debt Guy Newsletter

                          I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.You can unsubscribe at any time with just one click.After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

                          I promise to keep your email safe and secure.