Need Help Boosting Your Credit Score?
Every day in America, you are being judged. Every transaction you make is tracked. Your credit cards, your credit utilization, your payment history, all of it is aggregated into your credit score, which is tracked by three different agencies.
Your credit score is, in many ways, the invisible hand that ultimately controls your financial destiny.
There’s really no way to understate how important your credit score actually is, and yet most people only have a vague notion of what their credit score is, if they even know at all.
Broadly speaking, the numbers you need to be aware of are these:
- Your own credit score, for obvious reasons
- 720 – This is the bottom end of an “excellent” credit rating
- 640 – This is the bottom end of a “fair” credit rating
You should know your own credit score as well as you know your own name, because your credit score directly determines how many opportunities you have, and how good those opportunities are in our society. Your goal should be a minimum credit score of 720. If you have an excellent credit rating, you’ll have an easier time getting loans, and the loans you get will be on the most favorable terms. This can save you tens of thousands of dollars on a single purchase.
It can mean the difference of at least two percentage points on a home mortgage, and that’s just the tip of the iceberg. With an excellent credit rating, you’ll have an easier time getting financing for a vehicle, getting store credits, and getting higher credit card limits, all of which make day to day, month to month living in our society easier and less expensive.
If your credit rating is below 640, then your primary goal should be to improve it. Really, you should make it a priority to improve your score if it is anything less than 720, but the 640-719 range is good enough for most purposes, though higher is, of course, always better. In any case, if your credit rating is lower than you’d like it to be, you may be wondering what you can do to increase it.
If so, you’re in luck. There’s a new, free presentation out called Credit Secret.
It reveals everything you need to know to not only boost your credit rating back into the good zone, but to do it quickly and efficiently. After all, when you find out that your credit score leaves something to be desired, you don’t want to be caught in the predicament of having to wait endless months to see improvement, you want improvement RIGHT NOW.
Fortunately, that’s possible. The credit scoring system is rules based, after all. It is a formula, and once you understand that formula, you’ll know how to “game the system” to achieve maximum results quickly. Note that this is nothing illegal. It’s a simple testament to the fact that knowledge is power, and those with the knowledge can do things that those without cannot.
Get the knowledge you need to make your financial life easier.