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Author: admin | Category: Calculator Car Loan | Date: 31.07.2015

Simply by virtue of having different credit scores, the person with poor credit will pay over $68,000 more than the person with excellent credit. But just because something is obvious and top-of-mind doesn’t mean it’s important, which is why I love mocking dumb financial experts whose advice doesn’t work. So today, I’ll show you a step-by-step process to improve your credit score, which is one of the top 10 Big Wins you can get in your life.
You don’t need to become a credit weirdo like me and read 50 books on credit optimization to raise your credit score.
In fact, there are 3 major steps that will have the biggest impact in improving your credit score. Since 35% of your credit score is based on your payment history, setting up automatic payments is your Big Win here. Instead of doing what most people do (wait until the end of the month, then try to remember to pay…and when they forget, they get slapped with huge penalties), set up automation so you never have to worry about this again. You should ideally be paying off your entire credit card balance each month, but if you can’t, you can still improve your score by paying at least the minimums, on time, every month.
Too many idiots decide that since they have debt, they should game the system and play the 0% balance transfer game, switching balances from card to card to save a few percentage points on debt interest.
What I’ve found is that they spend more time transferring balances from card to card instead of actually paying their debt off. So many times, when people get motivated to “do something” about their credit cards, the first thing they do is close all the cards they haven’t used in a long time.
In general, however, this is a bad idea: 15% of your credit score reflects the length of your credit history, so if you wipe out old cards, you’re erasing that history.

If you’re applying for a major loan— for a car, home, or education—don’t close any accounts within six months of filing the loan application. I’m serious about this warning: This tip is only for people who have no credit card debt and pay their bills in full each month.
It involves getting more credit to improve your credit utilization rate, which is simply how much you owe divided by your available credit. To improve your credit utilization rate, you have two choices: Stop carrying so much debt on your credit cards (even if you pay it off each month) or increase your total available credit.
You: “I’ve been paying my bill in full for the last eighteen months and I have some upcoming purchases. Jared4 years 9 months agoHow do cards like American Express (no preset spending limit) factor into the equation? I would add to check with the credit card to verify how they report your credit to debt ratio. Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S.
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We show how insurers can use business process management (BPM) to enhance and optimize the capacity of its claims staff through triage to determine whether human intervention is required to adjudicate a given claim, as determined by a workload management solution. Craig Le Clair, Ellen Carney, “Insurance Claims: A Classic Untamed Process,” Forrester Inc. Get the entire word-for-word email funnel that generated $400,000 from a single launch and apply it to your own business.

Yet most “experts” will either (1) continue yammering on about lattes and clipping coupons, or (2) give worthless, high-level advice like “Improve your credit!” (Okay…how? You can actually ignore most advice and simply do a few, key things to dramatically improve your score. I even recorded a video showing you the exact accounts that should pay each other, using my amazing artistic skills. Because we’ve already established that if you’re doing this, you’re debt-free, all that remains for you to do is to increase your available credit.
While others are scrounging around and worrying about ordering a medium Diet Coke, you can focus on something that will pay off with tens of thousands of dollars when you make the large purchases that we’ll all make in our lives. I put a few charges on it, but just opening up a new credit card lowers your credit to debt ratio (utilization rate). The credit card companies are smarter than you, so if you try to game them, it’s only a matter of time before they destroy you. If you’ve already paid off your debt, only then should you try to increase your available credit.
We we also aggressively paying down our debt (we were at $43k, now $25k in 9 months) which also improves your score for the long-term. Lower is preferred because lenders don’t want you regularly spending all the money you have available through credit—it’s too likely that you’ll default and not pay them anything.

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