Improving Your FICO® Score

It’s important to note that raising your credit scores is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage credit responsibly over time.

There is a must read Do You Make These 38 Mistakes with Your Credit? How increasing your credit scores will improve your lifestyle. This book is one of the better reads about improving your credit scores.

Realtors® Do You Make These 38 Mistakes with Your Credit? How increasing your credit scores will improve your lifestyle is a great book to give your clients.

To see how much your scores will increase click here.

Payment History Tips

• Pay your bills on time.
  Delinquent payments and collections can have a major negative impact on your score.
• If you have missed payments, get current and stay current.
  The longer you pay your bills on time, the better your score.
• Be aware that paying off a collection account will not remove it from your credit report.
  It will stay on your report for seven years.
• If you are having trouble making ends meet, contact your creditors and set up payment plans.
  This won’t improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.

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