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Wednesday, January 20, 2016
One way to take charge of your credit is to understand and put into practice actions that boost your credit score, and avoid the things that diminish it. As a reminder, the #1 thing you can do long term to improve your credit score is to pay your creditors on time, every time. The #2 factor affecting your score is how much you owe in comparison to how much credit is available to you. For this reason, if you need a quick boost to your credit score, one thing you can to is to pay off, or pay down credit accounts. If your credit card has a balance of half, or more, of your credit limit, paying it down to a smaller percentage of available credit will give you a credit bump. Better yet, pay those cards off every month and avoid the high interest charges. Read More