Thursday, May 19, 2016

How To Improve Your Credit Score

I don't know about you, but if it weren't for my dad my credit score would be awful. I will admit I am married and have been for almost 6 months but I still rely a little on my daddy for help. Before we were  engaged (like 2 years before), I got a new car that my dad put in his name and my name; he said he would make the payments but it would help my credit. Then after we got engaged, I got another  new car that my dad did the same thing he did a few years back, because we thought we were going to have to let my step mom have my old car but it didn't end up happening but instead of my sister getting a new car in a year she will have my old one. So basically I have 2 cars in my name and it has been helping my credit ever since.

Unfortunately, my husband is not as lucky as I am. He has student loans that he still owes, doesn't have a credit card and nothing to build up his credit. Since we got married, we have been researching ways to help build his credit so when we do make big purchases or need to get a loan, my name isn't the only name on it.

How To Improve Your Credit Score

Keep balances low on credit cards
Pay your bills on time
Apply for a credit card
Become an authorized user on a credit card
Don't close out any credit cards
Don't open a lot of accounts at once
Pay off student loans & any other debts

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Piper Ellice said...

Ugh credit...I really want a new car, but it's such a jump! All these big girl decisions!!

Leah McPherson said...

Credit is ridiculous! When we bought our house we ran into the problem of not having any credit. Not bad, just lacking it, but it still put us in a bind. Luckily we are building up our credit so we don't face this problem again. Great list! -xx Leah || Chasing Texas

Emilie from BurkeDoes said...

I actually do one-on-one consultations about this. If you email me, we can talk about me offering it in exchange for a blog post! Let me know!