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How to improve your credit score
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[QUOTE="Holicent, post: 240390, member: 76163"] Improving your credit score expecially in a more civilized country, where everything are almost automated and documented is very crucial. Your credit score is a crucial part of your financial health. It can impact everything from your ability to secure a mortgage to how much you'll pay in interest on a credit card. If your credit score is currently low, there are some things you can do to help it improve. First, be sure to pay your bills on time. The best way to do this is to set up automatic payments for everything you can, including your cable bill, internet bill and phone bill. If you have any recurring expenses that don't allow for automatic payments, set up a calendar or reminder system to make sure you never miss a payment. If you have any past-due balances, take care of those as soon as possible—the longer they go unpaid, the more damage they'll do to your credit score. If you have any collection accounts or old debts that are no longer in use, contact the original creditor (the company you originally owed money to) and ask them if they're willing to forgive the debt and remove it from your report. This won't work with all creditors, but it's worth asking! Remember that improving your credit score takes time—it will happen over months and years rather than weeks and days. Be patient and keep working toward your goal. [/QUOTE]
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