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Theodore Lowe, Ap #867-859
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Have a bad credit score and don’t know how to go about your next loan application approval? Repairing your bad credit rating takes time and things are not going to change for you on this front overnight? So, what do you do if you are in a rush to restore your credit worthiness so as to get the nod from lending agencies? In most cases, credit repair, especially if attempted on an individual level, can prove to be a long drawn and cumbersome affair. It’s indeed a tough game to come back into the reckoning with credit authorities.

Credit Repair Tips - Improve Your Score With Your Credit Card

One way out is to get in touch with credit restoration companies that are knowledgeable about the rules, regulations and processes guiding the process of credit repair. Once you are through with all the pertinent tasks involved in correcting your credit rating, you can start approaching lenders all over again. With a good credit score to boast of, you will not find it difficult to get your hands on the amount of money required for purchasing a car or home, paying for your daughter’s college fees, fending for an important purchase, and more. Yet another means of repairing your credit lies in taking recourse to your existing or new credit card.

Yes, your credit card helps to improve your score because of some essential reasons; one of these is:

Utilization Rate

Go by the powerful 30 x 30 rule wherein you use just 30 percent of the total credit as it accounts for only 30 percent of the over credit score maintained by you. Say, your credit utilization stands at a mere 32 percent courtesy an unexpected emergency. If you pay down 4 percent of the total credit, you will be left with 28 percent utilization of your credit score which will rise by a whopping 31 points. These figures would obviously vary according to the credit card company that you have linked yourself with. So, try to keep your credit card utilization below 30 percent. Also, one of the best practices for upping your score is by paying off all dues at the end of the month or on the due date of the bill, as per your budget and comfort. You will surely enjoy the independence of utilizing below 30 percent and going ahead with no balance on your head.

Log in to sites like www.creditzipper.com to know more!


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