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Friday, November 14, 2008
Sunday, November 2, 2008
10 Tips How To Maintain Your Credit
A good credit history with high FICO scores (>680) is crucial today to obtain any type of credit.
If your middle FICO score is lower than 740, most likely that for each 10-20 points lower you will have credit score adjustment to your interest rate. The higher credit score, the lower payment. Let's say by improving your credit score you save approximately 2% on a $200,000 home mortgage loan. That will save you about $100,000 over a 30-year term.
You should know how to maintain your credit:
1) It is important to see a copy of your credit report from each credit bureau (Equifax, Experian, Trans Union) and FICO credit scores before you apply for a mortgage. Be aware that not all credit scores are FICO. Lenders use middle FICO score. Errors in credit reports are not uncommon. If you find any error on your credit report, notify the credit-reporting company immediately. Make a dispute online, by phone, or by mail. It’s free.
2) If you have multiple errors, how many disputes should you send at one time?
I would have sent one dispute at a time to each bureau and wait for the results. You will typically get a response in 30 to 45 days. Sending multiple disputes at one time may trigger the credit bureau to "red flag" your account that you're using of a credit repair company.
3) Protect your identity. Don’t be a victim of ID theft. You can spend many hours cleaning up your credit. We advise you to check your credit report regularly.
4) Don’t be late on your payments, especially on your mortgage. If you have late credit card payments, lenders can disregard them after 1 year. If you have late payment on your mortgage, it can be a big problem. Many lenders will not accept your application if you have just 1 late mortgage payment during the last 12 month. If you are in a situation when you are not able to make a payment on time, don’t hesitate to call your creditors and try to negotiate with them before they report your late payment to the credit bureau.
5) Maintain a credit card balance no more than 30% of credit limit. If you have credit card balance more than 50% of high credit, it can decrease your score by 20-30 points. For example, the credit card limit is $8,000. Advisable to have the balance no more than $2,400 (30%) without hurting your score. Don’t consolidate your cards if the combined balance is more than 30%-50%. Another example, you have one credit card with $5,000 balance and $6,000 credit limit and the other credit cards with low balances and high limits. Try to spread the over-balance $3,200 among them. It can help to increase your score.
6) What if a creditor doesn't report a credit limit but reports a high balance?
This is not sufficient for the account to be scored correctly because the company does not report the high credit limit, just the high balance. The only thing you can do is to contact the creditor and ask them to report your credit limit.
7) Don’t close your paid credit card accounts. It can lower your score. Even if you have any paid charge-offs, why remove them? Any type of paid account shows some level of responsibility. Removing any type of paid account can have a net score lowering affect. For example, let's say leaving the paid charge-offs on your report might only be hurting your score by 5 points. However, getting the account deleted might lower your score by 25 points.
8) You should have minimum 4-6 open and active trade lines. Active! A perfect credit report is not always the highest scoring. Some people have many open trade lines but not active. You should use credit cards (responsibly) or have other active trade lines such as mortgage, car loan, student loan... Inactivity of your trade lines might give you a lower credit score.
9) Multiple inquiries for credit can lower your score substantially (inquiries older than 12 months old has no effect). If you have tons of credit and you don't want any more pre-approved credit offers, you can opt-out by calling the credit bureaus. If you are building your credit, you want to receive pre-approved offers, so opting-in is to your advantage.
10) What's the best way to get credit reports and scores? You can get a free copy of your reports once a year by calling the Annual Credit Report Service at 877-322-8228 or you can order both your credit reports and scores from each credit bureau. You will get each bureau's "standardized" report. You can have instant access to your 3-in-1 credit reports and scores online. I would order them from myFICO or Equifax.
If your middle FICO score is lower than 740, most likely that for each 10-20 points lower you will have credit score adjustment to your interest rate. The higher credit score, the lower payment. Let's say by improving your credit score you save approximately 2% on a $200,000 home mortgage loan. That will save you about $100,000 over a 30-year term.
You should know how to maintain your credit:
1) It is important to see a copy of your credit report from each credit bureau (Equifax, Experian, Trans Union) and FICO credit scores before you apply for a mortgage. Be aware that not all credit scores are FICO. Lenders use middle FICO score. Errors in credit reports are not uncommon. If you find any error on your credit report, notify the credit-reporting company immediately. Make a dispute online, by phone, or by mail. It’s free.
2) If you have multiple errors, how many disputes should you send at one time?
I would have sent one dispute at a time to each bureau and wait for the results. You will typically get a response in 30 to 45 days. Sending multiple disputes at one time may trigger the credit bureau to "red flag" your account that you're using of a credit repair company.
3) Protect your identity. Don’t be a victim of ID theft. You can spend many hours cleaning up your credit. We advise you to check your credit report regularly.
4) Don’t be late on your payments, especially on your mortgage. If you have late credit card payments, lenders can disregard them after 1 year. If you have late payment on your mortgage, it can be a big problem. Many lenders will not accept your application if you have just 1 late mortgage payment during the last 12 month. If you are in a situation when you are not able to make a payment on time, don’t hesitate to call your creditors and try to negotiate with them before they report your late payment to the credit bureau.
5) Maintain a credit card balance no more than 30% of credit limit. If you have credit card balance more than 50% of high credit, it can decrease your score by 20-30 points. For example, the credit card limit is $8,000. Advisable to have the balance no more than $2,400 (30%) without hurting your score. Don’t consolidate your cards if the combined balance is more than 30%-50%. Another example, you have one credit card with $5,000 balance and $6,000 credit limit and the other credit cards with low balances and high limits. Try to spread the over-balance $3,200 among them. It can help to increase your score.
6) What if a creditor doesn't report a credit limit but reports a high balance?
This is not sufficient for the account to be scored correctly because the company does not report the high credit limit, just the high balance. The only thing you can do is to contact the creditor and ask them to report your credit limit.
7) Don’t close your paid credit card accounts. It can lower your score. Even if you have any paid charge-offs, why remove them? Any type of paid account shows some level of responsibility. Removing any type of paid account can have a net score lowering affect. For example, let's say leaving the paid charge-offs on your report might only be hurting your score by 5 points. However, getting the account deleted might lower your score by 25 points.
8) You should have minimum 4-6 open and active trade lines. Active! A perfect credit report is not always the highest scoring. Some people have many open trade lines but not active. You should use credit cards (responsibly) or have other active trade lines such as mortgage, car loan, student loan... Inactivity of your trade lines might give you a lower credit score.
9) Multiple inquiries for credit can lower your score substantially (inquiries older than 12 months old has no effect). If you have tons of credit and you don't want any more pre-approved credit offers, you can opt-out by calling the credit bureaus. If you are building your credit, you want to receive pre-approved offers, so opting-in is to your advantage.
10) What's the best way to get credit reports and scores? You can get a free copy of your reports once a year by calling the Annual Credit Report Service at 877-322-8228 or you can order both your credit reports and scores from each credit bureau. You will get each bureau's "standardized" report. You can have instant access to your 3-in-1 credit reports and scores online. I would order them from myFICO or Equifax.
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