Improving your credit score is not as difficult as you may think. First things first – you need to see exactly where you are at with your credit score. If you don’t know where you are, you can’t get to where you want to be with improving your credit rating. Once you know your FICO score, you can create a plan to improve your credit score more easily.
#1: Check Your FICO Score with a Tri-Merge Credit Report
Once a year, request a score from the top three bureaus – Experian®, Equifax®, and TransUnion®.
Here’s a brief rundown of FICO Credit Score ranges (estimated – will vary between companies):
|300-550||Poor||May be rejected, or only accepted for very high interest rates|
|551-650||Average||Qualify for high interest rates|
|651-710||Good||Qualify for moderate rates|
|711-750||Very Good||Qualify for very competitive rates|
|751 and up||Excellent||Lowest interest rates|
For the full list, check out elev8.com.
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