5 Quick and Easy Ways to Improve Your Credit

Want to learn 5 fast and easy tricks to improve your credit score - FAST?

I know silly question. Of course you do.

If you Google the phrase "Credit Repair" you'll find hundreds of thousands of websites publishing the same generic, useless crap about "under the FCRA you have the right to dispute... yada, yada."

Sure, it's important for you to know how to remove negative items from your credit report (that being the worst way by the way), but removing negative items is only one part of a good credit score.

It's possible for tens of thousands of people just like you - to raise your credit score by 80, 90 and even 100 points before you need any kind of help from an outside credit repair agency.

Read on to see how to do it yourself!

Your payment history is only 35 percent of your credit score. The second largest factor in your credit score is your credit utilization... fortunately for you, it's also the easiest to manipulate, control and manage wisely.

Tip One: Pay your credit cards before the closing date.
Credit card companies like to report your balances at the same time that they mail you your bill.

If you've ever pulled your credit report and noticed it's not showing the payment you just made - that's why.

So how can use this to your advantage?

Call your credit card companies and find out your closing dates. Make sure your payments are in before that date; don't wait for your bill to arrive to pay.

*Bonus Tip: If you're not maxed on your credit cards, with a little planning you can shift balances between your cards based on closing dates. It will appear as though you have no balances. Of course really having no balances is the best situation but you'll get there I have faith in you.

Tip Two: Keep Your Balances Below 10% of Limits.
I read a lot of websites where credit experts say to keep them below 50 percent.

Yes 50 percent is better then 60 percent but still not great. The real impact comes when you get them below 10%. If you simply do not have the financial resources to pay them down, see Tip one.