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Need a good credit score? – There’s nothing worse then not having a good credit score. I know it from first had experience. I could not get credit and therefore found it difficult to get a loan for a house or a credit card. The good news? i fought back and can show you how.

I’ll tell you what the secrets secrets and share with you the smartest way to get a great score?

Here I have listed the top methods to improve your score, these aren’t just my methods they are the top ways to raise you credit score from hundreds of websites on the net. I spent the time doing the research so you don’t have to.

Firstly, what is a good credit score? and what can it get you? A good score is considered to be around 760-850 actually, this is excellent and will save you an amount like $150,000 on a 30 year fixed mortgage for $165,000 so that’s nearly the amount of the loan that you will actually save when compared to a score like 580.

What is my score is around 620? Well this is the cut off. Lenders will generally view people with scores between 600 and 620 to be a much higher credit risk. You may be lucky and obtain a loan but you will struggle to get a good interest rate, which will keep you in a financial black hole for years to come.

How to improve my score? The good news is that there are lots of ways to improve your score.

The number one way to improve your score Payment History accounts for a whopping 35% of what makes up your score. It takes into account the many different types of payments which includes mortgages and major credit cards and even department store credit cards and car loans. It can actually even include other installment loans such as for furniture, etc.

The second part to payment history information comes from public records, such as bankruptcies and lawsuits such as foreclosures and judgments. It can even include wage garnishments. All these areas also include details such any missed or late payments, such as the amount and how long ago it occurred, then how late it was.

Some other methods include the following:

Don’t Apply for too many loans Remember, each time you apply fro a loan and get rejected it will damage your credit score,. Try and prevent applying for credit until you really know you have a very good chance of getting it.

Make sure you eliminate local finance company loans Potential creditors will look at your types of past credit that you’ve used. You will find that if you don’t borrow from big institutions and smaller local finance companies then this will have an effect.

And, Keep Away from “credit repair” companies These will take your money, double time! and while they may remove bad information on your credit report the info will always appear back on your report after not too long, so you paid for nothing. In additional they can damage your score.

Try and follow these tips and i can assure you the following: You will improve your credit score and move it out of rehab and into life!

But don’t, delay act now before you make further damage to your vital report.