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Post on 07-Nov-2014
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DESCRIPTIONWhy are your credit scores so important? What does it take to get a high credit score? How can you check your 3 credit scores from Experian, Equifax, Transunion free? Get answers to your credit score questions.
- 1. Do you know your credit score? Do you know all 3 of your credit scores? Learn how to get all 3 absolutely free credit scores
- 2. You should know all your credit scores.
- 3. Your credit scores can make a huge difference in whether you can buy a home or car or whether you get any other type of loan.
- 4. Your credit scores can determine if you get a job offer or a job promotion you've been wanting.
- 5. And an equally important question is do you know how to make your credit score higher?
- 6. Your credit scores have probably never been more important. Unemployment and foreclosures have decimated millions of people's creditworthiness.
- 7. Credit reporting errors can also contribute to lower credit scores. The only way you will know is if you check your scores regularly.
- 8. Credit seeps into every aspect of your life - loans, credit cards, insurance, employment and more.
- 9. You may have to put down security deposits with cell phone providers and utility companies for example because of low scores.
- 10. Without good credit you may have trouble in many ways. You may be paying much more for all your financial products than you should.
- 11. You could pay over a million dollars over your lifetime in higher interest charges than you should with an average or below average credit score.
- 12. That's $1,000,000.00!
- 13. This is why it is critical you work on getting an excellent credit score with all three credit reporting agencies - Transunion, Equifax, and Experian - as soon as possible.
- 14. One common misconception to boosting your scores is that closing your aged accounts will raise your score. This is not true.
- 15. When you close accounts you can actually lower your credit score.
- 16. You are basically throwing away all those years of good credit history when you close your old accounts. So leave them open.
- 17. People with excellent credit scores have aged accounts 10, 15, 20 years old.
- 18. And both you and your spouse's credit scores matter. So both of you have to check your scores regularly and know where you stand.
- 19. 5 Keys to the best credit scores:
- 20. 1. Spending pattern - Do you pay on time? Do not spend more than you can afford to pay off.
- 21. 2. Available credit that you are using - Stay under 10% if possible.
- 22. Do not max out your credit cards.
- 23. 3. Age of your credit history - Stable, long term loans have better scores.
- 24. 4. Mix of credit accounts - Home loan, car loan, and a few credit cards make a good credit mix.
- 25. 5. Number of inquiries - too many inquiries can hurt your score, make sure you know when someone plans to check your credit.
- 26. Keep in mind that checking your own credit score does not lower your scores though.
- 27. When it comes to your credit reports and credit scores, what you don't know can hurt you financially for years.
- 28. See all 3 absolutely free credit scores online in seconds from the major credit reporting bureaus: Equifax, Experian, and TransUnion.
- 29. Know before you apply for a new loan, get identity theft protection, and dispute errors that are keeping your scores lower than they should be.
- 30. Get a detailed analysis showing what is affecting your scores. Receive email alerts for certain changes to your credit profile.
- 31. Plus, get up to $1,000,000 of identity theft insurance.
- 32. Get your free Experian, Equifax, and Transunion credit scores at www.absolutelyfreecreditscores.com
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