HOW WE RAISED OUR CREDIT SCORE From ZERO to 800 in ONE MONTH | Does Being Debt Free Affect Credit?

Published on August 17, 2021

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How do you raise your credit score fast? Can you get it to 800+ quickly? And how does being debt free affect credit? These questions we answer in this video.

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We weren’t even looking for a perfect credit score, but there were really only a few things Brittany and I did to raise our credit score so quickly. And it’s almost weird explaining them because they’re nothing out of the ordinary. What we did was:

1) We got a credit card through the only bank that would give us one (a bank we had been using for a while, and a bank that we had a credit card with before we started becoming debt free).

2) We stayed below 10% of our max credit. In our case, we had $1,000 credit we could use. We never put more than $100 on the credit card before paying it off.

3) We NEVER rolled over any balances. ALWAYS pay on time (or before).

That’s it. Pretty simply. My opinion about why our credit score increased so quickly is that we already had a ton of credit history going back to the early 2000’s with student loans, car loans, etc. And for some reason those were so far into the past that, without any open lines of credit, lenders weren’t able to get a solid number for us. Once we opened the new credit card, things started working again, and quickly.


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Credit Score When Debt Free

Credit Score When Debt Free, HOW WE RAISED OUR CREDIT SCORE From ZERO to 800 in ONE MONTH | Does Being Debt Free Affect Credit?.

Begin Reducing Financial Obligation With Useful Tips

This implies that the quantity of debt will raise and lower periodically. Thoroughly go through all your credit card declarations, loan and other declarations. Or could you go even more deeper into debt?

HOW WE RAISED OUR CREDIT SCORE From ZERO to 800 in ONE MONTH | Does Being Debt Free Affect Credit?, Explore latest reviews about Credit Score When Debt Free.

Being Financial Obligation Free Is Being Tension Free

You won’t get there working one task and earning a linear income. Major delinquency, negative public record or collection filed – You have a big judgment, collection, or lien. Hence a credit limitation is specified for you.

Countless Americans owe money. Increasingly more Americans are starting to feel the weight of their financial obligations come crushing down on them as we enter an economic downturn. If you have a small amount of debt or a big amount here are some actions to assist you get out of debt the easy way, regardless of.

When you consolidate your financial obligation into one protected loan, you will be making just one payment monthly. This payment is usually one that likewise comes with a lower interest rate and lower payments. Obtaining a Secured Debt combination loan will be a very wise choice if credit is a significant problem for you. You will protect your loan at a lower rate of interest with some form of collateral. The majority of people try this choice when they either have a big quantity of debt or a poor credit rating.

Once you have all your info put together, make your call. Know what you are going to request before you place the call. Be short as to why you would like a much better rate, however be to the point. Remind them what other companies are using which you are thinking of moving your service. Inquire if they have any other rate they might use to keep you there.

An insolvency attorney brings forth a lot of experience and knowledge. If you want to end up being Debt Free you need to be efficient in how you approach the proceedings. Those that are submitting bankruptcy do not have such experience. This can undermine the effectiveness in being able to efficiently manage such a case.

What remains in your financial obligation basket? All financial obligation is not produced equivalent and 10% of your rating is based upon your credit mix. Banks will look at how much of your debt remains in Revolving Debt (charge card) and how much is in installment debt (auto loan etc) A Revolving Debt (charge card financial obligation) never ever disappears for this reason the name installment but revolving debt e.g. auto loan have an end in sight. So in order to improve your FICO rating you desire to pay your charge card financial obligation first.

Possibilities are high that you probably use a couple of credit cards on a regular basis. The staying charge card tag along in your wallet just as a status symbol. Or, you may be bring these around.

If you aren’t mindful, Credit card debt can ruin your life. This is why it is very important to stay on top of your financial obligation so that gradually you can leave it. If you’re having trouble with your credit history, this is the very best method to improve it. Simply eliminate a few cards and pay them totally off.

So your goal is to be Debt Free in 5 years. For instance, a nineteen year old can have an 800 credit rating however they can’t necessarily buy a house, right? Do not attempt to flee from financial obligation.

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