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The concept of "gaming" your already-excellent credit score to drive it up is not going to be advantageous in any real substantive way -- there's little or no distinction between the interest rates or credit terms offered to individuals with an 800 and those offered to individuals with the fabled 850. Here's our check [url=http://www.myfreecreditreportx.com/how-to-check-credit-score-for-free]my credit score[/url] guidance. So gaming it does not help anything but raise your ego.
Worse yet, if you don't know precisely what you're doing, you're as likely to harm your credit rating about help. The versions used by FICO (and other scoring companies) are deliberately not totally transparent and lots of things that individuals think will raise their credit scores-- like removing their credit cards or keeping zero debt-- can in fact reduce their ratings.
If you really are absolutely bent on getting a boost, consider this method: charge card issuers report your monthly balance to [url=http://www.myfreecreditreportx.com]free credit reports[/url] -- but they do not necessarily report it on the day your costs is due, they could do it earlier. So if you wait till the due date to pay, even if you pay in full, it might look like you have a greater balance than you actually do. That shakes off your credit usage ratio-- one of the major factors that determine your credit rating. If you make big purchases, you can keep those off your balance tally by making an immediate payment to your charge card business. |
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