Improving Your Credit Score by InCharge Debt Solutions

Author:InCharge Debt Solutions
Language: eng
Format: epub
Tags: improve, credit, credit score
Publisher: InCharge Debt Solutions

What You Can Do!

Action Module: Improving Your Credit Score

Now that you know some of the DO-s and DON’T-s of improving your credit score, its time to take action. The two worksheets below can help you chart a course towards a better credit score. The first will help you make sure you pay your bills on time. The second provides a checklist for the steps you want to take to build your credit score.

Action Module A: The Bill Paying Calendar

Paying bills on time can go a long way toward increasing your credit score and keeping it high. But how can you manage that? One simple technique is to set up your bills as automatic payments from your checking account. Most utility companies and lenders have such plans. You may even receive a discount if you use this automatic system.

Another helpful method for paying bills on time is a bill-paying calendar as illustrated below. The purpose of such a calendar is to put your bill paying on a schedule that is easy to understand and follow. As indicated, you want to clearly see what bills you have on a regular basis, when they are due, when they should be sent, what is the typical amount and to check them off as they are paid.

You should keep the bill-paying calendar in a prominent place—perhaps taped to the side of your refrigerator.

Action Module B: Credit Score Improvement Checklist

As you read through the first part of this book, you probably recognized a number of things you could DO to improve your credit score. Which ones were they? You also probably recognized some DO NOTs that you have been doing. Which ones were they? The checklist below can help you begin the process towards addressing these situations and improving your credit score.

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