Tips to Improve Credit Scores

[merlia]

Every person must have a good credit report to know or improve your financial status, a good credit report shows that you are very efficient and responsible in managing your own money. To improve your credit scores, can follow few steps like check your credit report carefully, be wary of identity theft, pay bills on time and manage your finances regularly, start to establish good working relationships with lenders or financial institutions. Hope this may be useful... ;)

[Matthew-HTDI]

All very true...

A few other things is to keep your credit balances at or below 30% of their total credit lines (affects 30% of what makes your score) also, if you have negative items like collections, late payments, bk's etc... those will negatively impact 35% of what makes your score... and of course limit the amount of credit pulls you allow.

[lonelylady11]

Hey, I live in Philadelphia. I’m starting my business and I need money to start. I have been on several sites that want you to pay out a lot of money just to give you info on government grants. But I didn’t research and I found that like 75% of those sites are scams. I want to be able to apply for them myself but I don't know who I am supposed to talk. So is there really nothing out there as far grants for opening or starting new businesses?

[OregonLO]

I would recommend starting at your local offices to ask them about grants. City hall might be a place to start, they should be able to give you some information or at least direct you to the right people without telling you to give them thousands of dollars...haha. Or you could check with the state department, same thing there. I'd assume they would know who to talk to. Good luck with your search.

[andylewis]

Hi Matthew,
I agree with you. Good info on credit balance.
Andy

All very true...

A few other things is to keep your credit balances at or below 30% of their total credit lines (affects 30% of what makes your score) also, if you have negative items like collections, late payments, bk's etc... those will negatively impact 35% of what makes your score... and of course limit the amount of credit pulls you allow.