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Improving your credit score is not as difficult as you may think. First things first – you need to see exactly where you are at with your credit score.

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If you don’t know where you are, you can’t get to where you want to be with improving your credit rating.  Once you know your FICO score, you can create a plan to improve your credit score more easily.

#1:  Check Your FICO Score with a Tri-Merge Credit Report

Once a year, request a score from the top three bureaus – Experian®, Equifax®, and TransUnion®.

Here’s a brief rundown of FICO Credit Score ranges (estimated – will vary between companies):

300-550 Poor May be rejected, or only accepted for very high interest rates
551-650 Average Qualify for high interest rates
651-710 Good Qualify for moderate rates
711-750 Very Good Qualify for very competitive rates
751 and up Excellent Lowest interest rates

#2:  Pay Your Bills on Time Every Time This is probably the most important thing you can do to improve a credit score.  Not doing this severely impacts your credit score.  If you haven’t been keeping up with your payments, it’s likely that your credit score has dropped substantially.

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Simple Practices To Improve Your Credit Score  was originally published on

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