{"id":218,"date":"2024-02-28T01:32:02","date_gmt":"2024-02-28T01:32:02","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=218"},"modified":"2024-02-28T01:32:02","modified_gmt":"2024-02-28T01:32:02","slug":"understanding-and-improving-your-credit-score","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/","title":{"rendered":"Understanding and Improving Your Credit Score"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Credit is money that you borrow and pay back over time with interest. It allows you to buy now and pay it back later. Your credit history is a record of what you have borrowed and how you have repaid it. Paying your creditors on time will help you to build a good credit record. Late or sporadic payments will result in a poor credit report. This information is collected and compiled by three credit reporting agencies: Equifax, Experian and TransUnion.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#Why_Good_Credit_is_Important\" title=\"Why Good Credit is Important\">Why Good Credit is Important<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#How_to_Establish_or_Reestablish_Credit\" title=\"How to Establish or Reestablish Credit\">How to Establish or Reestablish Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#Why_You_Might_Be_Denied_Credit\" title=\"Why You Might Be Denied Credit\">Why You Might Be Denied Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#What_To_Do_If_You_Are_Denied\" title=\"What To Do If You Are Denied\">What To Do If You Are Denied<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#Credit_Score\" title=\"Credit Score\">Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#How_to_Get_a_Copy_of_Your_Credit_Report\" title=\"How to Get a Copy of Your Credit Report\">How to Get a Copy of Your Credit Report<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Good_Credit_is_Important\"><\/span>Why Good Credit is Important<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>It can determine where you live<\/li><li>It can determine the interest rate for a loan or credit card; a higher interest rate is often more difficult to pay back.<\/li><li>It can determine how much you will pay for car and homeowners\/renters insurance<\/li><li>It can determine if you get a job<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Establish_or_Reestablish_Credit\"><\/span>How to Establish or Reestablish Credit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Have a relationship with a bank or credit union<\/li><li>Apply for a gas or retail credit card<\/li><li>Apply for a secured credit card \u2013 check with your financial institution to see if they offer one<\/li><li>If turned down on your own, find a co-signer<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_You_Might_Be_Denied_Credit\"><\/span>Why You Might Be Denied Credit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Incomplete application submitted<\/li><li>No credit file or short history<\/li><li>Low income<\/li><li>Short job history<\/li><li>Overextended credit<\/li><li>Slow payment history<\/li><li>Judgment, repossession or bankruptcy<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_To_Do_If_You_Are_Denied\"><\/span>What To Do If You Are Denied<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Review the reason for the denial<\/li><li>Get a copy of your credit report and check for accuracy<\/li><li>If the negative information is true, pay balances and wait for the negative information to drop off<\/li><li>If the negative information is false, fill out a dispute form and send it to the credit reporting agencies to remove it from your report<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit_Score\"><\/span>Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Is used by creditors to determine if they will give you credit and at what interest rate<\/li><li>35% of your score is based on paying your bills on time<\/li><li>30% is based on how much of your available credit is being used \u2013 try to keep this below 30%<\/li><li>Other factors are Length of Credit History (15%), Type of Credit (10%) and New Credit (10%)<\/li><li>Don\u2019t close old accounts for new ones<\/li><li>Don\u2019t apply for credit from several places in a short period of time.<\/li><li>My <strong>FICO.com\u00a0<\/strong>provides more information on the FICO credit score.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Get_a_Copy_of_Your_Credit_Report\"><\/span>How to Get a Copy of Your Credit Report<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Everyone can get a copy of their credit report from all 3 credit bureaus for FREE every 12 months. Call (877) 322-8228 or\u00a0<strong>www.annualcreditreport.com<\/strong>. Or contact each bureau separately:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Equifax: (800) 685-1111 or\u00a0<em>www.equifax.com<\/em><\/li><li>Experian: (888) 397-3742 or\u00a0<em>www.experian.com<\/em><\/li><li>TransUnion: (877) 322-8228 or\u00a0<em>www.transunion.com<\/em><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you want your credit score, often you may need to pay extra for it or credit monitoring services. Read all terms carefully so you understand what you are paying for.\u00a0<strong>CreditKarma<\/strong>\u00a0offers a free credit score; your financial institution may also offer this service for free so check with them first!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many homeownership counseling agencies also provide credit counseling.&nbsp;<strong>Scroll down<\/strong>&nbsp;for a list of local agencies that can help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit is money that you borrow and pay back over time with interest. It allows you to buy now and pay it back later. Your credit history is a record of what you have borrowed and how you have repaid it. Paying your creditors on time will help you to build a good credit record. &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Understanding and Improving Your Credit Score\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/understanding-and-improving-your-credit-score\/#more-218\">Read more<span class=\"screen-reader-text\">Understanding and Improving Your Credit Score<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-security","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding and Improving Your Credit Score<\/title>\n<meta name=\"description\" content=\"Credit is money that you borrow and pay back over time with interest. 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