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קאוד:

Common Mistakes That Can Lower Your Credit Score
1. Paying bills late
One of the biggest factors in determining your credit score is your
past payment history. While one or two late payments on your credit
cards, loans, or other important obligations over a long period of
time may not significantly damage your credit record, making a habit
(or mistake) of it can count against you.
2. Not paying the minimum amount required
If you don't pay at least the minimum amount due, your creditors will
eventually report your account as past due, which can damage your
score. Additionally, paying less than the minimum can result in late
fees and additional interest charges which can add up quickly.
3. Keeping debt levels too high
If you "max out" or already owe a lot of money on your credit cards,
potential creditors may question your ability to repay. Creditors also
use this information to evaluate loan approval or interest rate
charges (higher interest rates are used to compensate for higher
risk).
4. Owning too many credit cards
While offers to sign up for credit and department store cards with
free gifts or extra savings may be tempting, having access to all of
that credit may be detrimental to your credit score because, even if
you don't use the cards, potential creditors may worry that you won't
be able to repay a new obligation if you decide to use all that
credit. Plus, all those "inquiries" into your credit report may
indicate to lenders that you are having financial troubles or are on
the verge of getting too deeply into debt.
5. Not alerting creditors if you've moved or changed names
If you move frequently and don't change your address on bills, you run
the risk of not receiving bills on time and suffering late payments as
a result. Not notifying creditors of a name change could result in
your credit report not accurately reflecting the credit you've worked
to build.
6. Not periodically checking your credit report
Many people never look into their credit report until they've been
denied for a loan or credit. Inaccurate or missing information in your
credit report could raise your borrowing costs or cause delays when
you're in a rush to make a major purchase, like a car.
Not using your full legal name in financial documents
Bank accounts, credit applications, and other documents become part of
your credit history through a variety of ways, many of which do not
have many other identifying factors like your social security number.
Using your full legal name helps to make sure that your information
ends up on your report. According to a FDIC senior Consumer Affairs
Specialist, it's not uncommon for a child and parent with similar
names to show up on each other's credit report.

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שנאפס האט געשריבן:

שנאפס האט געשריבן:מען דארף האבן א באנק אקאונט ביי קעפיטאל וואן צו אפלייען?

kls7777 האט געשריבן:http://www.mymoneyblog.com/credit-sesame-free-credit-report.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Mymoneyblog+%28My+Money+Blog%29
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גוגל האט געשריבן:experian
http://www.experian.com/
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