How to Improve Your
The credit score recipe
Five factors combine to determine your credit score. How much of each ingredient goes into calculating that magical 3-digit number?
Credit use & debt
Length of credit history
Now that you’ve brushed up on what goes into calculating your credit score, it’s time to start giving yours a raise.
6 Simple Ways to Boost Your Credit Score
Know your FICO® score
FICO is a type of credit score, and the one most commonly used by lenders. Your bank or credit union may offer a free credit score check, or you can visit MyFico.com to obtain your official FICO score.
How low can you go?
The sweet spot for credit card balances is 30% or less of your available limit. If you can get this number down to 10%, your credit score should rise.
Notice incorrect info on your credit report?
Dispute the error online or by phone with both the creditor and the reporting agencies (TransUnion, Equifax and Experian). Once it’s fixed, you’re golden.
Raise the roof
Ask your credit card company to raise your limit. Just make sure that your new boundaries don’t encourage you to rack up more debt.
Take a break
Your FICO score goes down when a potential lender runs your credit (this is called a “hard pull”). Don’t apply for a dozen cards at once, and take breaks after getting new credit.
Pay your bills on time
Obvious, right? But we get it — life happens. If you’re having trouble paying by a certain day, check with your creditor to see if they can shift your payment date.
- 3/4 cup white sugar
- 4 cups fresh blueberries
- 3 tablespoons cornstarch
- 1 recipe pastry for a 9 inch double crust pie
- 1/4 teaspoon salt
- 1 tablespoon butter
- 1/2 teaspoon ground cinnamon
- Preheat oven to 375 degrees F (190 degrees C).
- Mix sugar, cornstarch, salt, and cinnamon, and sprinkle over blueberries.
- Line pie dish with one pie crust. Pour berry mixture into the crust, and dot with butter. Cut remaining pastry into 1/2 - 3/4 inch wide strips, and make lattice top. Crimp and flute edges.
- Bake pie on lower shelf of oven for about 50 minutes, or until crust is golden brown.
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