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<font color="darkblue">Raising your FICO® scores is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage your credit responsibly over time. Generally, people with high FICO® scores consistently pay bills on time, keep balances low on credit cards and other revolving credit products, and apply for and open new credit accounts only as needed. Below are tips on how to improve your FICO® score.
Check your credit reports
It is not only important to know your FICO® scores you also have to take the time and look at your credit reports as well.
=========
You can peek.
Checking your credit report will not change your FICO® score, as long as you order your credit report directly from the credit bureau or through an organization authorized to provide credit reports to consumers, such as myFICO.
============
Since your FICO® scores are made up of the information that is on your credit reports, have you ever considered that if there was a mistake on your credit report, or if someone stole your identity, or your credit report got mixed up with someone else with the same name, that all that false information could hurt your FICO® score? Yeah I didn't think so!
You ought to review all your credit reports at least once a year to make sure that all the information is accurate. Also do so several months before applying for any loan.
Check your credit reports for errors here. You can dispute a mistake on your report-for example, if a payment is mistakenly reported as late-but the correction will take anywhere from one to three months to appear on your report.
Pay your bills on time
Paying your bills before they're due accounts for 35 percent of your FICO® score, so this is extremely important to get your payments in on time, no matter what, especially in the months prior to applying for a loan. A late or missed payment close to the time that your apply for a loan will lower your score far more than an isolated late payment some years in the past. It can seriously hurt your score, sometimes by as much as 75 points. One skipped payment could take you from a good rating to a horrible one.
Reduce credit card debt
Reducing your consumer debt figures large in your FICO® score. You do yourself a huge favor by eliminating all credit card debt, or at least by not using your cards as often. The goal here is to improve your credit score, and one way of doing that is to widen the gap between what you owe and what your credit limit is. Pay off debt rather than moving it around. The less you owe, the better your FICO® score becomes.
Don't charge anywhere close to your credit limit
Ready for a surprise? Even if you pay off your credit card balances every month, those balances still appear on your credit report and could lower your FICO® score.
Here's the reason: On a particular day once a month, your credit card company reports your balance to the credit bureaus. If, on the day before they report, you happen to charge a large sum on your credit card, they will report that you owe that amount of money. Afterwards, you receive your statement and pay down the balance immediately, but it doesn't help. That large balance reported dings your FICO® score.
For this reason, you shouldn't charge your cards close to their credit limits, even if you never run a balance. Especially in the months before you apply for a loan, be very careful how much money you are putting on your cards. Pay cash when you eat out, go to the movies, shop for groceries, or buy clothes.
Be careful about closing accounts
Your credit ratio is one of the keys to your FICO® score, so it is important that you understand what happens when you close down cards you are not using.
Imagine that you have four cards, each with a credit limit of $2,000, for a total combined credit limit of $8,000. In your wisdom, you have only ever used one of those cards, which currently has a balance on it of about $1,500. Your debt-to-credit limit ratio is 19 percent ($1,500 divided by $8,000). If you think, "Well, I am not using my other cards, so I should just close them," be careful. If you close an account you are not using, your FICO® score may be affected negatively. In this example, if you have only one card open, which has a credit limit of $2,000, and you have a balance of $1,500, that makes your debt-to credit-limit ratio 75 percent — bad news for your FICO® score.
On paper, you appear to be closer to maxing out your credit cards, so closing unused credit cards could backfire and actually lower your score. Believe it or not, you just might be better off leaving the extra cards open and unused.
Here's another reason that you may not want to close down the credit cards that you do not use. Your FICO® score is based in part on your reported credit history. If you have four credit cards that you got more than ten years ago, you have a reported credit history on those cards that goes back ten years. If, however, you decide to get a new card with a better interest rate and closed down all the other accounts, your reported credit history has also been closed down. This will count against you. So sometimes, especially on the older cards on which you do not pay a yearly fee, you may be better off keeping them and not using them. Closing them down and shortening your history may hurt your score.
But don't open a number of new credit cards that you don't need just to increase your available credit.
FICO® scores always take into account the following: how many new accounts you have, how long it has been since you opened a new account, how many recent requests for credit you have made, as indicated by inquiries to the credit reporting agencies, and the length of time since credit report inquiries were made by lenders. When you open new credit cards that you don't need, you can hurt all the factors listed above. That effect can outweigh any beneficial action of increasing your available credit and can result in a lower FICO® score.
Be careful about applying for new credit
Do your rate shopping for a given loan within a focused period of time.
FICO® scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur. So don't window-shop for a loan over time; focus on what you need, get the best deal you can, and make a decision.
Beware of bankruptcy
If you declare bankruptcy, you cannot do much to get that score up for a number of years. Bankruptcies stay on your credit report for ten years, and they are an immediate markdown of at least 200 points, even if you have a good credit score prior to that.
Just because you have claimed bankruptcy, however, does not mean that you cannot get credit. In many cases, there are lenders who will be all over you like a cheap suit. They know that, legally, you cannot claim bankruptcy again for at least six years. So during those years, they just love to sock it to you with interest rates that are sky-high. Be careful. A large number of people who claim bankruptcy relapse and end up declaring it again a second time.
Your FICO® score aside, in my opinion, bankruptcy is a very serious action to take; you need to seek the best advice and think about it carefully. It may or may not make sense for you in your particular situation.
How to establish a credit history
To build a good FICO® score, you must demonstrate that you handle credit responsibly when it is extended to you. You cannot do this unless you have some credit in the first place. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Someone who has never had credit cards or other kinds of debt is an unknown risk to a creditor, unlike someone who has had credit cards for years and has proven to handle them responsibly.
If you are having a hard time being accepted for new credit, than try applying for a secured credit card. You have to pay upfront to use such a card, so it is really not a "credit" card, but using this card responsibly will establish a good payment history on your credit report.
If you have not had credit for very long, don't open a lot of new accounts too rapidly. New accounts will lower your average account age, which could hurt your score more than having a thin credit history.[/size]
Как видим развенчиваются несколько довольно распространенных мифов:
1. ... что надо стремиться открывать много кредиток.
2. ... что обращение к кредитной истоии 100% влечет за собой снижение рейтинга (score)
и т.п.
Более подробно для желающих: [url]www.myfico.com
<font color="darkblue">Raising your FICO® scores is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage your credit responsibly over time. Generally, people with high FICO® scores consistently pay bills on time, keep balances low on credit cards and other revolving credit products, and apply for and open new credit accounts only as needed. Below are tips on how to improve your FICO® score.
Check your credit reports
It is not only important to know your FICO® scores you also have to take the time and look at your credit reports as well.
=========
You can peek.
Checking your credit report will not change your FICO® score, as long as you order your credit report directly from the credit bureau or through an organization authorized to provide credit reports to consumers, such as myFICO.
============
Since your FICO® scores are made up of the information that is on your credit reports, have you ever considered that if there was a mistake on your credit report, or if someone stole your identity, or your credit report got mixed up with someone else with the same name, that all that false information could hurt your FICO® score? Yeah I didn't think so!
You ought to review all your credit reports at least once a year to make sure that all the information is accurate. Also do so several months before applying for any loan.
Check your credit reports for errors here. You can dispute a mistake on your report-for example, if a payment is mistakenly reported as late-but the correction will take anywhere from one to three months to appear on your report.
Pay your bills on time
Paying your bills before they're due accounts for 35 percent of your FICO® score, so this is extremely important to get your payments in on time, no matter what, especially in the months prior to applying for a loan. A late or missed payment close to the time that your apply for a loan will lower your score far more than an isolated late payment some years in the past. It can seriously hurt your score, sometimes by as much as 75 points. One skipped payment could take you from a good rating to a horrible one.
Reduce credit card debt
Reducing your consumer debt figures large in your FICO® score. You do yourself a huge favor by eliminating all credit card debt, or at least by not using your cards as often. The goal here is to improve your credit score, and one way of doing that is to widen the gap between what you owe and what your credit limit is. Pay off debt rather than moving it around. The less you owe, the better your FICO® score becomes.
Don't charge anywhere close to your credit limit
Ready for a surprise? Even if you pay off your credit card balances every month, those balances still appear on your credit report and could lower your FICO® score.
Here's the reason: On a particular day once a month, your credit card company reports your balance to the credit bureaus. If, on the day before they report, you happen to charge a large sum on your credit card, they will report that you owe that amount of money. Afterwards, you receive your statement and pay down the balance immediately, but it doesn't help. That large balance reported dings your FICO® score.
For this reason, you shouldn't charge your cards close to their credit limits, even if you never run a balance. Especially in the months before you apply for a loan, be very careful how much money you are putting on your cards. Pay cash when you eat out, go to the movies, shop for groceries, or buy clothes.
Be careful about closing accounts
Your credit ratio is one of the keys to your FICO® score, so it is important that you understand what happens when you close down cards you are not using.
Imagine that you have four cards, each with a credit limit of $2,000, for a total combined credit limit of $8,000. In your wisdom, you have only ever used one of those cards, which currently has a balance on it of about $1,500. Your debt-to-credit limit ratio is 19 percent ($1,500 divided by $8,000). If you think, "Well, I am not using my other cards, so I should just close them," be careful. If you close an account you are not using, your FICO® score may be affected negatively. In this example, if you have only one card open, which has a credit limit of $2,000, and you have a balance of $1,500, that makes your debt-to credit-limit ratio 75 percent — bad news for your FICO® score.
On paper, you appear to be closer to maxing out your credit cards, so closing unused credit cards could backfire and actually lower your score. Believe it or not, you just might be better off leaving the extra cards open and unused.
Here's another reason that you may not want to close down the credit cards that you do not use. Your FICO® score is based in part on your reported credit history. If you have four credit cards that you got more than ten years ago, you have a reported credit history on those cards that goes back ten years. If, however, you decide to get a new card with a better interest rate and closed down all the other accounts, your reported credit history has also been closed down. This will count against you. So sometimes, especially on the older cards on which you do not pay a yearly fee, you may be better off keeping them and not using them. Closing them down and shortening your history may hurt your score.
But don't open a number of new credit cards that you don't need just to increase your available credit.
FICO® scores always take into account the following: how many new accounts you have, how long it has been since you opened a new account, how many recent requests for credit you have made, as indicated by inquiries to the credit reporting agencies, and the length of time since credit report inquiries were made by lenders. When you open new credit cards that you don't need, you can hurt all the factors listed above. That effect can outweigh any beneficial action of increasing your available credit and can result in a lower FICO® score.
Be careful about applying for new credit
Do your rate shopping for a given loan within a focused period of time.
FICO® scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur. So don't window-shop for a loan over time; focus on what you need, get the best deal you can, and make a decision.
Beware of bankruptcy
If you declare bankruptcy, you cannot do much to get that score up for a number of years. Bankruptcies stay on your credit report for ten years, and they are an immediate markdown of at least 200 points, even if you have a good credit score prior to that.
Just because you have claimed bankruptcy, however, does not mean that you cannot get credit. In many cases, there are lenders who will be all over you like a cheap suit. They know that, legally, you cannot claim bankruptcy again for at least six years. So during those years, they just love to sock it to you with interest rates that are sky-high. Be careful. A large number of people who claim bankruptcy relapse and end up declaring it again a second time.
Your FICO® score aside, in my opinion, bankruptcy is a very serious action to take; you need to seek the best advice and think about it carefully. It may or may not make sense for you in your particular situation.
How to establish a credit history
To build a good FICO® score, you must demonstrate that you handle credit responsibly when it is extended to you. You cannot do this unless you have some credit in the first place. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Someone who has never had credit cards or other kinds of debt is an unknown risk to a creditor, unlike someone who has had credit cards for years and has proven to handle them responsibly.
If you are having a hard time being accepted for new credit, than try applying for a secured credit card. You have to pay upfront to use such a card, so it is really not a "credit" card, but using this card responsibly will establish a good payment history on your credit report.
If you have not had credit for very long, don't open a lot of new accounts too rapidly. New accounts will lower your average account age, which could hurt your score more than having a thin credit history.[/size]
Как видим развенчиваются несколько довольно распространенных мифов:
1. ... что надо стремиться открывать много кредиток.
2. ... что обращение к кредитной истоии 100% влечет за собой снижение рейтинга (score)
и т.п.
Более подробно для желающих: [url]www.myfico.com