We are almost a month into the new year and its time to make goals and stick to them. At CRE Credit Services we specialize in helping people get their credit “loan ready”. This way our clients can qualify for the home, car, and life they want. That is why we have developed the top Credit Repair program in the country, but what can you do on your own to jumpstart your credit?
Pay Down Your Debt
One of the biggest factors in your score is your utilization ratio. This is difference between how much credit you have compared to how much you have used. Generally you need to keep you ratio under 30%. Let’s say you have $10,000 limit you will need to keep your balance under $3,000. Any more and your score will be negatively impacted. So if you have high balances try paying more down each month and you will see your score start to rise.
Increase Your Limits
If you have low balance cards it may be hard to keep you ratio low. The good news is that if you have been paying your cards you might be able to increase your limits. To do this you will just need to call your lenders and ask. After you limit is raised just be sure to keep your balances low.
Become An Authorized User
One quick to improve your credit is to piggy back on someone else’s. To do this you will need someone who is never late to add you as an authorized user on their cards. This will allow you to reap the benefits of their payment history.
Enroll In Credit Repair
With our 7 step program we have designed we can have your score improved and “loan ready” in 4 to 6 months. All you have to do to get started is call us at 888.799.7267 and speak to a credit repair expert.