Credit Builders - Simple tips to raise your credit score

Credit Builders can be free and easy if you know what the rules for credit reports are. Don't cancel your credit cards even if you are not using them. Roughly 15% of your credit score is based on your credit history. If you cancel the cards, you are canceling the credit history with it as well. Pay your credit card balances off or pay them down to at least 30% of the available credit. The amount of your debt load will account for over 30% of your score. Paying off debt can have a big impact on your credit score.

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What is Re Aging a credit account?

Re Aging a credit account is a way to improve your credit report and your credit scores. This approach is helpful only if you have had a short term problem, like a layoff and now you are back on your financial feet again. What is re-aging? When a creditor re ages your account they take off from your credit account negative information surrounding your late payments. Your account will go from delinquent to good standing. Your credit score should go right up again. Sometime just changing one item can have your credit score go up over 100 points.

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