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Emmanuel Scibilia: 617-669-6277
	HOME / ENGLISH  SEARCH HOMES  Contact Login  EN ESPANOL  EN FRANCAIS  IN ITALIANO  TESTIMONIALS  Preferred Home Buyer Search System  Featured Homes  RECENTLY SOLD HOMES  EVALUATE MY HOME  Mortgage Calculator  180 Things I do for SELLERS:  FOR SELLERS  FOR BUYERS  10 Mistakes A Buyer Can Avoid  5 TIPS TO IMPROVE YOUR CREDIT SCORE  ABOUT YOUR CREDIT  TOP 7 HABITS FOR GREAT CREDIT SCORES  About Coldwell banker  EMMANUEL'S REFERRAL DIRECTORY  ABOUT SCHOOLS  SCHOOL MCAS SCORES  UTILITIES  AREA SCHOOLS Emmanuel Scibilia Coldwell Banker Residential 713 Centre Street Boston MA 02130 Cell Phone: 617-669-6277 Fax: www.BostonPropertiesNow.com Email: emmanuelnow@gmail.com Privacy Policy			5 TIPS TO IMPROVE YOUR CREDIT SCORE Self improvement is a great thing. Becoming a better public speaker can earn you a promotion. Going to the gym regularly can help you lose a few pounds. Best of all, improving your credit scores can save you hundreds or even thousands on life's big purchases. Improving your credit is not hard, it just takes time and little knowledge about the credit scoring system. While each person's individual credit profile can be improved in its own way, there are five basic things that everyone can do to give their credit scores a boost: • Be punctual – Pay all your bills on time each month. Late payments, collections, and bankruptcies have the greatest negative effect on your credit scores. • Check your credit reports regularly and take the necessary steps to remove inaccuracies – Don’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately. • Manage your debts – Keep your credit card account balances below 35% of your available credit limits. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $350. • Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use. • Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation.
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