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Need to improve your credit score? Receive a free consultation on how to improve your credit score.
Get credit advice today. Raise your credit score starting now. You have options when it comes to improving your credit. Come see Up My Credit to see how you can improve your low credit score.
Is your credit score keeping you down? The credit experts at Up My Credit can help you. Don't let credit stress ruin your day. It is something that can be improved upon with some work and dedication on your behalf.
If there are certain items that make your credit report and thus your credit score look bad, you could dispute them and have the items removed from your credit report. Let Up My Credit analyze your financial situation and see what can raised, lowered or eliminated.
Your credit score is an important part of your financial life. By improving and maintaining a higher credit score, it can help you:
Do you even know what your credit score is? With the internet and all the credit reporting companies, most people have an idea of where their credit score falls. But is it in a good spot?
In general, anything above 700 is considered a good credit score. A credit score can range anywhere from 579 which is very poor credit, all the way to a perfect 850. If you have credit this high you will qualify for the best loan rates, interest and terms.
In general, credit score is a number generated by a mathematical formula. This formula analyzes information in your credit report to derive your credit score — a number ranging from 300 to 850. Your credit score is a reflection of your credibility (credit worthiness).
Keep these factors in mind as you build your credit history. Make your payments on time. Don't have a lot of debt or credit cards with the potential of drawing a lot of money against it. If it looks like you can get that money, your credit score assumes it.
Your credit history plays an important part too. If you are just out of school and have a credit card and want to apply for a loan, you are more likely to get passed over than the middle age couple that is refinancing their house. They have already showed a tried and true payment history and credibility.
If you apply for credit cards, lines of credit, home loans, refinancing and other financial loans fairly frequently, it puts up a red flag. Either you are trying to borrow huge amounts of money, or someone may have stolen your identity. Either way, it makes your credit score lower.
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