How to Use This Guide
Whether you have a perfect credit score or just declared bankruptcy, there is something in this guide for you.
We’ve read through thousands of pages of fine print on how the credit bureaus calculate your score to bring you the ten best ways to improve your credit rating.
We have ordered each step from easiest to hardest so everyone can get started making a dent in their debt and working towards a better financial future.
Just like overdue debt can lead to a snowball effect of spiraling interest costs, small decreases in what you owe and small increases in your credit score can make a big financial difference in your life.
If you have a score under 650, start at #1 and work your way up to #10 over time.
Credit cards should really be a way for you to earn free rewards points, not an expensive source of debt. If you think of credit cards this way you will have truly achieved financial freedom.