{"id":1330,"date":"2017-01-05T04:11:14","date_gmt":"2017-01-05T12:11:14","guid":{"rendered":"http:\/\/bluewatercredit.com\/?p=1330"},"modified":"2017-01-05T04:11:14","modified_gmt":"2017-01-05T12:11:14","slug":"17-tips-improve-credit-score-2017","status":"publish","type":"post","link":"https:\/\/bluewatercredit.com\/17-tips-improve-credit-score-2017\/","title":{"rendered":"17 Tips to Improve Your Credit Score in 2017"},"content":{"rendered":"

\"\"It\u2019s 2017, and that means it\u2019s the perfect time for you to get your finances in order \u2013 starting with an improved credit score. Here are 17 great tips for improving your credit score in 2017:<\/p>\n

    \n
  1. Keep your credit card balances low. The most effective way to improve your credit score is to pay down your revolving (credit card) debt. Your credit utilization ratio accounts for 30 percent of your credit score. While you may hear that paying debt down to 30% of the available balance is a good mark, an ideal credit utilization ratio is actually around 10% or lower.<\/li>\n<\/ol>\n
      \n
    1. Pay your bills on time. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors in scoring. According to FICO, 96% of people with a FICO score of 785 or greater have no late payments on their credit reports.<\/li>\n<\/ol>\n
        \n
      1. Sending your payments in early may also help your credit score. Each creditor has a report date when they send their information into the credit bureaus. If you use your credit card a lot and pay it off at the due date, the higher balance will always show on your credit report that month. But if you make payments well before you receive your bill and the due date, the higher balance won\u2019t even report.<\/li>\n<\/ol>\n
          \n
        1. Check your credit report annually. It’s important to make sure that there are no errors on your credit file. A significant number of credit reports do have these errors, which can lower your score. These days, you also need to make sure that your identity hasn’t been stolen or compromised, which affects up to 1 in 8 Americans every year.<\/li>\n<\/ol>\n
            \n
          1. Don’t be tempted by new credit card offers or take on new debt. You can have these solicitations stopped being sent to you by “opting out” of these offers. Go To Optoutprescreen.com.<\/li>\n<\/ol>\n
              \n
            1. Paying off a collection will NOT increase your score. It\u2019s not the balance, but the fact that the account went into collection status is what is essentially hurting your score. But your score will increase if the collection agency is willing to delete the account off your credit report.<\/li>\n<\/ol>\n
                \n
              1. Don’t go without credit. You only have a credit score if you have an active credit history. Some credit scoring systems cannot calculate a score if no balance is reported to the credit history within the last six months.<\/li>\n<\/ol>\n
                  \n
                1. Don’t allow outdated or inaccurate information to stay on your credit report. If you notice that there is something incorrect listed on your credit report you should have it corrected or removed.<\/li>\n<\/ol>\n
                    \n
                  1. Become an authorized user on someone else\u2019s credit card. Once you\u2019re authorized, the new positive trade line will show up on your credit as if you\u2019ve had it for the duration. It\u2019s important you do this correctly \u2013 it has to be a credit line in great standing \u2013 and with someone you trust!<\/li>\n<\/ol>\n
                      \n
                    1. Request an increase to your credit line. As long as you don\u2019t use the new debt, this will improve your credit utilization ratio, bumping up your score. Of course make sure not to apply for new debt, just increase an existing credit line.<\/li>\n<\/ol>\n
                        \n
                      1. If you want a great credit score, don’t pay all your debt down to zero. FICO calculates a significant portion of your score by your credit utilization ratio, but if you pay your balances off completely, you won’t show an established payment history they can use in their calculations (you won’t have any payment.)<\/li>\n<\/ol>\n
                          \n
                        1. Try to keep seasoned credit lines open and in good standing. 15% of FICO\u2019s scoring is calculated in regards to your history of credit, with favor given to well-seasoned accounts that have been open and in good standing longer. (Anything that is older than 24-48 months is helping your credit score.)<\/li>\n<\/ol>\n
                            \n
                          1. Keep the right mix of credit card, revolving installment, and mortgage accounts. Since 10% of your score is calculated by what balance of different kinds of credit you keep, it’s good to hold revolving accounts, mortgage debt, and installment debt, if possible.<\/li>\n<\/ol>\n
                              \n
                            1. When using debt for big-ticket items, shop around in clusters. 10% of your FICO score depends on whether you have applied for credit recently, so you want to avoid too many credit pulls and \u201chard\u201d checks. So when you \u201cshop around\u201d for big purchases like a car, mortgage, etc., make sure it\u2019s all within a 30-day window. FICO won\u2019t factor those pulls into your score, and even if they are spread out within 45 days, they\u2019ll only be treated as one credit inquiry.<\/li>\n<\/ol>\n
                                \n
                              1. Add missing accounts to your credit report. A surefire way to build your credit is to add positive accounts that aren\u2019t currently being reported. Cell phone companies, Internet providers, utility companies, and medical billers often don\u2019t bother reporting credit (because it\u2019s not mandatory.) But if you ask them to do so, they often will post a new but well-seasoned, positive new trade line to your credit report.<\/li>\n<\/ol>\n
                                  \n
                                1. If you\u2019ve missed payments and have an account in collections, they\u2019ll often agree to erase any negative credit reporting for that account if you pay it off in full. Called \u201cpay for deletion,\u201d erasing this negative item from your credit report can really help your score \u2013 just get it in writing!<\/li>\n<\/ol>\n
                                    \n
                                  1. Call Blue Water Credit if you have any questions in regards to your credit or want to see how you can improve it. We\u2019re the nation\u2019s leader in legal and ethical credit report, with our clients enjoying significant boosts to their credit scores within just 90 days or less.<\/li>\n<\/ol>\n

                                     <\/p>\n

                                     <\/p>\n<\/span>","protected":false},"excerpt":{"rendered":"

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