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Improve Your Payment History

• Always pay your bills on time. Late payments play a major role in driving down your score.
• If you have past-due bills now, get current and stay that way.
• Contact your creditors as soon as you know you will have a problem paying bills on time. Try to work out a payment arrangement and negotiate with them to keep at least a portion of the late notations off of your credit reports.
• If your situation is serious, see a legitimate, non profit credit counselor. Avoid the scam artists who promise a quick reversal of your credit problems.

Keep Debt to a Minimum

• Keep your credit card balances low. High debt-to-credit-limit ratios drive your scores down.
• Pay off debt, don’t move it around. Owing the same amounts, but having fewer open accounts, can lower your score if you max out the accounts involved.
• Don’t close unused accounts, because zero balance might help your score.
• Don’t open new accounts that you don’t need as a quickie approach to altering your debt-to-credit-limit ratios. That can lower your score.

Have questions about credit?  Contact The BestRateGuys.com for more information about your credit.  Learn how we can help you achieve homeownership.  Contact us @ 1-866-978-9768 or leave us a comment.

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