If you want to buy anything valuable, such as a car, boat, house, or engagement ring, but don’t have the cash, you’ll need a good credit score. But what do you do to improve your credit score?
Optimal Credit in Los Angeles can help. We are the best credit repair company that offers a variety of credit repair services to meet your needs. From aggressive credit repair to just paying per delete, we’ve got you covered. In this blog post, we’ll offer up tips on how to improve your credit score. Contact us today to get started!
TIPS TO IMPROVE YOUR CREDIT SCORE
- Get organized. Making on-time payments is crucial to your credit score. In fact, Experian, one of the three credit bureaus who is responsible for generating your credit score, reports it’s the number one factor for determining your credit score. If you’re one of those who constantly pays your bills late, you need to get organized. Not only will you save a ton of money in late fees, but you’ll also raise your credit score. This sends a message to lenders that you are responsible and that you’re not at risk of default, which is what your credit score ultimately reflects about you.
- Monitor your credit report. Many people have no idea what is on their credit report until they go to apply for credit and discover some odd-ball items that don’t make sense. This can be heart-breaking if you had your heart set on a home, but because you have false information that you need to get cleared off your credit report (which Optimal Credit in Los Angeles can help you with) you may not be able to get the house. By federal law you are entitled to one free credit report a year from each of the three major credit bureaus (TransUnion, Equifax, and Experian) who are responsible for your credit score. Be sure you take advantage of this, get your credit report, and then comb through it thoroughly so you can correct any errors you may find.
- Obtain credit. It can be exceedingly hard to get a credit score when you are just starting out in life. One of the best ways to establish credit is to get credit in the first place. Optimal Credit in Los Angeles recommends that you obtain a secured credit card (such as by putting $500 down on a loan), or have someone with credit cosign for you. This will get you an entrance on the credit report, and with on-time payments, well on your way to having a good credit score.
HOW OPTIMAL CREDIT CAN HELP YOU OBTAIN YOUR BEST CREDIT SCORE
Credit scores can be tricky, but with help and guidance, you can improve your credit and keep it high. Optimal Credit in Los Angeles helps people nationwide improve their credit with our credit repair services. Depending on which package you purchase, we can have your credit improved in a few months. From writing your debt valuation letters to your creditors to submitting requests to your creditors to remove late payments, we can help get your credit back on track. Contact us today to get started!