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Avoiding A Bad Credit Rating Sponsored Links Avoiding A Bad Credit Rating contact@click4credit. By Richard Greenwood Category: 0 Submit your Articles Here! contact@click4credit.com.au. Best regards Richard Greenwood http://www.click4credit.com.au Avoiding A Bad Credit Rating Your credit rating is the key to many things, including good rates on loans, credit cards, and even auto and home or renter's insurance. Credit ratings or rankings are based on a number of factors, but more and more lenders and insurers are basing their decisions and rates on how high (or low) your credit score is. In the United States, credit scores are calculated by three major credit reporting agencies: Experian, Equifax, and TransUnion. 300 to 850 is the range of scores, though you're never likely to be at either end of the spectrum. A credit score of 640-650 is considered below average, and if you're in that range, you want to work to improve it. 650-720 is "average", and most people fall within that range. Over 720 is a good credit score. If you need to improve your credit score, you need to know which actions will make the biggest difference the fastest. About 35% of your score is calculated on repayment timeliness, 30% on the amount of outstanding debt, 15% on the length of time you've had credit, and a final 10% each for the types of credit you have and amount of new credit opened. Obviously, the easiest thing to tackle and the one that has the highest impact on your credit score is repayment timeliness. There are some easy things you can do to improve this portion of your credit score. Set up monthly automatic payments for your credit accounts. Make sure the monthly transfer amount is at least as high as the minimum payment. You can always make another payment manually to get you balance down farther, but at least you know the monthly transfer will keep the account from a late payment. Since about 30% of your score is based on the amount of your outstanding debt, you'll want to pay down your balances. Let those automatic payments get posted, send any extra money you can, and do not use your credit cards for any purchases! Write down the balance in a location where you can see it, and watch it go down. Sometimes people have a low credit score because they have little or no credit. If you're just starting out, one way to build credit and get a good score is to open a credit card, make a few purchases on it, and pay that card off every month. Using credit wisely and repaying on time will actually give you a better score than if you have no credit at all. That's because with no credit, the credit scoring agencies have no way to know if you'll repay on time or not. Obtaining credit and demonstrating good repayment habits is important to do before you need a large loan, like an auto or mortgage. With a low credit rating from having little or no credit, you're not likely to be offered the best rates when you do seek out a loan. And getting a less-than-optimal interest rate on an auto or home loan can cost you thousands in extra interest—plus the higher payment leaves you with less disposable income every month. So if you don't have any credit, consider getting one credit card, charging a small amount every few months, and repaying it each month. If you have too much debt, begin now to pay it off. Make at least the minimum monthly payment, and make it timely. And watch your credit score improve. ---------------------------------------------------- Article by Richard Greenwood - co-founder of the Click 4 Group which operate a number of financial comparison websites including http://www.click4credit.com.au to compare credit cards. Avoiding A Bad 0 Subcategories Arts & Humanities > Art History > Arts & Humanities > Artists > Arts & Humanities > Arts Therapy > Arts & Humanities > Awards > Arts & Humanities > Booksellers > Arts & Humanities > Censorship > Arts & Humanities > Chats and Forums > Arts & Humanities > Companies > Arts & Humanities > Crafts > Arts & Humanities > Criticism and Theory > Avoiding A Bad 0 Articles Have you ever wanted to win back your Ex by Avoiding Those Common Mistakes so that you can get back by Jimmy Lim Don't Let the Office Trip You Up: Avoiding Workplace Injury by Adam Singleton Avoiding the Tchotchke Trap by Remy LeBeau Paying bills and avoiding Collection Agencies by Mike Samadi Top Tips for avoiding bad breath.... by Fraser Hendrie Family Dental Plan Insurance - Avoiding delays in Insurance Claim by Paul Smith Tips for avoiding an assault in the parking lot by Steve Thibeault Ways For Avoiding Bankruptcy by Kendy Smith 5 Top Mistakes That Home Sellers Make... by Clint Cohen Tax Return Outsourcing Helps in Avoiding Hassles by Michelle Barkley