Angela Ballachino
Learn about the 5 factors that make the biggest impacts in determining your credit score.
Have you ever wondered, "How can I improve my credit?" This question is common among consumers burdened with a low credit score. At Improve My Credit USA, we're here to help. Our comprehensive services for credit repair in Houston continue to help individuals just like you find effective solutions for fixing their credit with the right tools and support.
How have you paid your bills in the past? Past due payments hurt your score the most and an account in collections is event worse. Declaring bankruptcy is the worst.
How much money do you have outstanding? This includes unsecured and secured loans like mortgages, car loans, credit cards, student loans, etc. Also pay attention to the amount of available credit you have, the more the better.
How long have you had open credit lines? This will affect your score and how lenders will determine if you are responsible enough for the loan.
Be sure to have a mix of revolving and installment credit. An example of revolving is credit cards while installment credit would be your mortgage.
Slow down with the credit apps. Every time you sign up for a credit card or file for a loan you are having someone check on your credit. Too many credit checks looks bad.
