Credit Lever LLC

Credit Control Checklist - My Credit Lever Most people assume that paying your bills on time gives you a good credit score.  What they fail to realize is that paying your bills represents only 35% of your score.  So for example,  if the max credit score is 850 then theoretically 35% would only give you 298 points.  So where are the other...

Tip #1 Raise your credit score?
1. Get utilization to less than 10%. Pay debt down
2. Ask creditors to increase credit limit. Only if you have the discipline to not use the credit.
Utilization = (credit balance)/(credit limit)
balance is $3000 credit limit is $6000
utilization = $3000/$6000 = 50%.

Most people find out what their credit looks like when they apply for credit. Don't be that person. Take control now. Credit is a tool for you to use.

Can everyone improve their credit? Yes!!!!!!

Quit tripping?

Even if I have a 400? Yes

Shut up? Yes and Yes.

How? Credit scores are formulas. If you know the formula, you have the answer. Taking a test is easy when you have the answers to the test.