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CREDIT SCORE

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How to CONQUER your CREDIT SCORE


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A credit score is a nasty, brutish beast.


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But not only can it be beat…


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You can MAKE IT WORK for you.


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The key is to understand how credit scores are calculated.


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And that’s exactly what I’m about to explain…


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But before doing so, let’s cover a few PRELIMINARY MATTERS


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Your credit score is a number between 300 and 850.


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Its purpose is to gauge how likely it is that you’ll repay your debts.


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The higher the number, the more likely it is that you’ll do so. DELINQUENCY RATE CREDIT SCORE Data source: FinanceandCareer.com


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So, what’s a GOOD SCORE?


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This is how it breaks down… www.FreeScore.com


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Simple enough, right?


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So here’s the question:


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So here’s the question: What specific things can you do to increase your credit score?


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And the answer is:


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And the answer is: You have to fight fire with fire.


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You have to understand how your score is calculated in order to determine the best way to improve it.


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Take a look at this chart: Data source: FreeScore.com


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Take a look at this chart: It shows the FIVE VARIABLES that credit agencies use to generate your score. Data source: FreeScore.com


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Your payment history is the most important, with a weighting of: 35% Data source: FreeScore.com


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This makes sense when you consider this chart from earlier. DELINQUENCY RATE CREDIT SCORE Data source: FinanceandCareer.com


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Second is the amount of money you currently owe: 30% Data source: FreeScore.com


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This is why maxed out credit cards are so bad.


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The next most important is the length of your credit history: 15% Data source: FreeScore.com


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This is why older people generally have better credit scores than younger people. AGE AVERAGE CREDIT SCORE Data source: CreditKarma.com


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In fourth place are any new lines of credit or recent inquires: 10% Data source: FreeScore.com


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Finally, are the types of credit you have experience with: 10% Data source: FreeScore.com


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The two main types include:


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The two main types include: Revolving accounts Like credit cards…


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The two main types include: Revolving accounts Like credit cards… Installment lines of credit Like mortgages and car loans…


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So, to tie everything back together into a pretty little package…


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If you want to improve your credit score…


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FIRST Identify which of the five variables are wanting in your case.


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SECOND Prioritize their importance based on the weighting.


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THIRD And then attack them one by one.


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While the process takes discipline and patience, it’ll be well worth it to conquer your credit score.


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For more valuable advice, click here to download a free report detailing Warren Buffett’s best-kept secrets.


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