Good credit is important to all of us. The higher your credit score is, the more options you have in your life. It's understood that a score of 700 is good and many wonder how to have a 700 credit score. Whether you are trying to raise or maintain a good score, this article will give you a few great tips to teach you how to have (or get!) A 700 credit score.
The first thing to do is to make sure that you are meeting all of your financial obligations every single month. Create a workable budget and stick to it. Make sure that you pay your necessary bills before any extras. Many people want to know how to have a 700 credit score, but are not willing to give up the extras in order to make it work. Extras include things like elaborate cable packages, eating, out, and in some cases cell phones. Yes, you heard me right. Cell phones are not a necessity. Hard to imagine, right? But, if these things keep you from paying your bills, you will never have that great credit score that you want. If you are serious about increasing your credit score some sacrifices may be necessary in the short term. Keep in mind that it is not forever!
Another way to increase your credit is to try to repair any current damage to your credit. If you have negative things that have reported to your credit, try disputing them. You just write a letter of dispute to each of the three major credit bureaus. The credit bureaus will ask the creditors. If the item is small, many times the creditor will not even bother to respond to the dispute. If they do not respond in a certain amount of time, the credit bureau will remove the item from your credit history. An often overlooked, but great tip about how to have a 700 credit score.
Also, do not forget to keep track of what is on your report. Even if you already have a decent score and you are just interested in maintaining it, you should know what is being reported. You are entitled to one free credit report from each of the bureaus each year. If you space them out over the year, you can keep up with it. Another option is to join a site that allows you access to your report. This not only helps you with how to have a 700 credit score, but it also helps you protect yourself against identity theft.
When you are trying to find out how to have a 700 credit score, make sure that you keep these pointers in mind. If you follow this advice, your financial future will be looking brighter in no time!