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SpinDistribute.com Article Directory

The following article was published in our article directory on September 5, 2013.
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How to Build Your Credit and Keep Yourself from Having a Bad Credit Score

Article Category: Education

Author Name: Harry Vitt

A bad credit rating can drastically affect the loan types and terms you can take advantage of. If your credit score is low, for starters, you have limited loan options because it will be difficult for you to take out any type of secured loan. And if you do get approved for one, the terms will be less friendly than if you have a good credit score to back you up. It is also important to note that if you have a rather low rating, you will be inclined to take advantage of high-interest, short-term loans such as payday loans which can put you into a debt trap.

Given the effects of having a bad credit rating, it is clear that you should make an effort to build your credit and keep yourself from attaining a low score. If you have no idea where to start, here are some tips:

Don't max out your credit card. If you want to build or maintain good credit, make sure that you don't reach your credit card limit. In fact, it is advised that you spend only up to 30% of your credit limit. If this is not possible, though, at least try to maintain your balance below 50% of the total amount you can spend via your credit card.

Borrow within your limits. To be able to do this properly, the first thing you should do is to evaluate your finances. Find out what portion of your income goes to paying the bills and your other financial obligations, and how much you can afford to repay if you use your credit card. Then, make sure that your credit card spending falls within your budget - that is, you will be able to pay off your purchases quickly and easily.

Pay your debts on time. Defaulting on financial obligations is one of the primary reasons people receive a bad credit rating. That said, keep yourself from experiencing the same thing by avoiding having delinquent accounts. You can easily do this by keeping track of your finances as well as the payment schedules of your debts, and through wise budgeting.

Know the right way to treat your balance. Don't think that it's not okay to have debt when you want to build good credit. It's all right to carry a balance on your credit card or to have an outstanding loan as long as you are able to meet the payment schedule. On a related note, make sure that you pay more than the minimum amount that you're required to settle when you use your card. This way you'll be able to clear your debt faster.

Keep your old accounts open. Letting your accounts age can benefit your credit rating as it ups your credit age. Also, if you've never been delinquent with these old accounts, they are a great proof of your capacity to pay on time and can thus result in you receiving a high credit score.

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