Credit Improvement Basics: Credit Improvement Tips

Written By:

Use Your Spouse's Good Credit to Your Advantage

Use Your Spouse's Good Credit to Your AdvantageIf you’ve ever read the Quizzle blog before, you’ve probably seen any number of articles reminding readers how important credit scores are to their personal finance picture.

It’s not overstating things to suggest that building, maintaining, and protecting credit, ultimately, allows you to live the life you want. On the other hand, bad reports and scores can hold you back—forcing you to settle for something less than the lifestyle of your choice.

Have you taken the time to learn the best ways to maximize your reports and scores? Or how to improve those scores if they’ve taken hits from nagging debts, late payments, or any other drags on your credit history?

If not, Quizzologists invite you take advantage of their expertise on credit improvement. After all, it could be the difference between getting approved for that home loan or being denied.

Take control by reading up on the different ways you can strengthen and improve your credit reports and scores from the Quizzle blog and beyond:

How to Improve Your Credit Score in 5 Simple Steps

7 Ways to Improve Your Credit Score

6 Effective Ways to Improve Your Credit Score

Have You Taken Steps to Improve Your Credit?

Denied a Mortgage? Don’t Despair—Fix It!

Additional Resources:

5 Tips: Improving Your Credit Score

Managing Credit Cards to Raise Your Credit Score

  • Floyd Raska

    The
    Constitution of the United States.

    The one that starts with;

    We the People

    Article XIV

    1: All persons born or naturalized in the United
    States, and subject to the jurisdiction thereof, are citizens of the United
    States and of the State wherein they reside.
    No State shall make or enforce any law which shall abridge the
    privileges or immunities of citizens of the United States; nor shall any State
    deprive any person of life, liberty, or property, without due process
    of law; nor deny to any person within its jurisdiction the equal protection of
    the laws

    Nothing
    caused by nature, mistake in judgment, or any accident, will satisfy your
    creditors, or the credit bureaus. No
    judge, no jury, no mediator, on your behalf are needed or required. If for whatever reason you can’t pay a bill
    consider yourself, a liar, a cheat, or a thief.
    Banks require you to make a decision between your life and death
    situation, and their lifestyle. In
    reality it comes down to need or greed. The days when loan officers knew how to
    listen to their customers and offer solutions to various problems had to be
    replaced using Stereotyping,
    discriminating, or profiling a person’s honesty with a credit score.

    What
    you see less of is understanding or trust.
    I’m sure most people would pay their bills if their creditors were more
    understanding. Years ago creditors cared
    about the people and companies that kept them in business. They had real customer service. They would
    work with their customers if they had a problem.

    The credit bureaus
    are a big part of the problem. The
    Credit bureaus received consumer credit information from banks and other
    businesses. Most of that information is
    collected without legal process or verification. Most are filled with lies or
    mistakes that affect your FICO score. The
    FICO score is a three-digit number between 300 (very poor) and 850 (perfect).
    The exact method of calculating a FICO score is not public knowledge (Fair,
    Isaac, & Co. won’t say). The FICO scoring system was designed by two
    mathematicians Mr. Fair and Mr. Isaac. The FICO scoring system is a complicated
    numbering system. That is so confusing that most people will never understand
    how it works. I think it would be easier
    to break Russian code then understand this scoring system. The scores and
    credit reports are abused by banks and other financial institutes lending money
    or credit. The FICO score should
    justifiably be about do I pay my debts?
    If a payment is late for some reason. Or somebody checks your credit
    report. It should not be treated like
    the crime of the century. I can
    understand someone going to jail for seven years for murder, theft, or some
    other dangerous crime. But not if your
    payment is late. Or how many enquiries are on your credit report.

    Companies today don’t care if they keep you as a
    customer. Most of today’s company’s put
    quantity ahead of quality. A lot will
    mislead the public with false or deceiving advertisement to sell their product
    or service. Most would do or say almost
    anything to get your money. They don’t
    care if their product is safe or legal as long as it sells. Banks act like they
    care about the small business owners and yet the banks close up businesses every
    day. If the bank would work with their creditors instead of foreclosing on them
    they wouldn’t be stuck with all those empty buildings and homes everywhere.

    The
    FCRA is supposed to protect consumers from creditors and credit bureaus. Why aren’t the laws that are supposed to
    protect the public doing their job?

    Thank
    You