It has been established that optimizing life standards demands a strict following of rules in accordance with the stated methods to curb the atrocities evident in life. Calamities don’t announce their arrival before falling upon anyone. Given the recent scenario, economic catastrophes have engulfed every business sector, times and again. The business pundits are now wary of announcing downfalls again and again. Recent trends have been phenomenal in setting an example, even for a laymen, to learn from the economic disasters and prepare yourselves beforehand. One of such conditions is a sudden need for credit, it can be either for mortgage, car loans, or other consumer needs. If a person is not acquainted with knowledge, he/she may land up in trouble when signing up for credit because of his/her low credit scores. To be aware of upcoming events always proves to be beneficial. Although, no task in this world is a piece of cake but we try to save you from the thorns embedded in the process of boosting up credit score. There are multiple ways to boost your credit score fast, some of which we have listed below to save you from the troubles and provide further assistance. To point that graph of credit score in the forward and upward direction it takes time.
Knowledge Is Power
You need to have knowledge of how the credit score is calculated but you don’t need to get hung up on the ways the lender calculates it, because different lenders use different scoring models. The most common being FICO Score, which has a range of 300 to 850.  There are multiple factors which are taken into account by the scoring models such as your history of payments on credit cards and loans, what is the quantity of your revolving credit in use, what is the duration of your accounts which are till to date open, and the frequency of your new credits.
Cross Checking the Report
Take into account all the three agencies for reporting credits and then carefully go through your report. Make sure to resolve any disputes or input any information that is missing in the report by taking your credit reporting agency and lender, on board.
Meet the Deadlines
There is a specific impact that payments made on time to the creditors and lenders have on your credit score. This accounts for approximately 35% of a calculation from the scope of FICO score. When sorting out the differences, it is not easy to assume that such late or missed payments are easily wiped out from your record. Such missed or late payments have a great negative impact on the FICOs scores. Reminders through banks, if they have options or ticking the option of automatic payments through credit card make the payments automatically debited from your account. Poor credit history won’t become a nightmare for life time and as soon as you start delivering on time payments, the previous records shall be nullified.
Reduction In the Amount Of Debt 
            Seldom, it becomes difficult to make both ends meet and you have to exhibit prudency in making decisions and avoid profligate choices. Seek the advice of a legitimate credit counselor to help you cross over the horizon and boost your credit score fast. If there are outstanding debts of large amounts, this can affect a credit score negatively. Direct your finances towards cards with high interest rates and try to maintain simultaneous minimum payments on other accounts. Don’t be extravagant and don’t open up new and multiple credit lines for it will appear negatively on your credit score.
Exploring Other Options
Your average account age will be reduced by multiple new accounts, and this will also have a monstrous impact on your credit history especially if the credit information on your account is lacking. Make sure to leave those old payments on your reports because as long as you were on time while paying up. Those old payments can be a way to add positively to your credit history. Pay special emphasis on score boosting programs such as Experian boost and UltraFICO. The opening up of new accounts leads to hard inquiries and its effects don’t wear off for at least 6 to 12 months. One should also look up for his/her own chances of approval of loans. Be thorough when going through your reports and mark and highlight each and every disruption that you see within your history. Asserting a furtive glance is not enough to acquire the required results. Discuss the disputes with your company and also keep in mind that an account, even if closed, will definitely show up on your credit and might be taken into consideration when making up the final credit scores for you. You should also know, that you can always start fresh by opening up new accounts and trying to be punctual with your payments concerned with them.
 
 
 

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