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Simple Way To Boost Your Credit.

Simple Way To Boost Your Credit.

However, some issuers may send the data at the same time each month for all cardholders, regardless of when your billing cycle ends. Your best bet may be to ask your issuer so you can be certain.


5 Simple Ways to Boost Your Credit Score | | CMG FinancialYou might feel like a dream punter, but for credit card companies you're a nightmare. If they spot this trend, you could be rejected. The most profitable customers are those perpetually in debt, never defaulting, but always meeting the minimum repayment.

The easy solution is to pay everything by direct debit, then you'll never miss or be late. While we normally caution against only making minimum repayments on debts (as the faster you repay, the less the total interest – see the Danger: Minimum Repayments guide) one technique is to set up a direct debit to just repay the minimum, purely as a vehicle to ensure you're never late. Then manually pay more each month on top. If you are in difficulties, the cliché "contact your lender" is a good one. Hopefully it will try to help. Changing your repayment schedule is preferable to you defaulting – and though it will hit your credit score, it's better than a county court judgment or decree against you.

When you have a good credit score, you can get better terms and lower interest rates on loan products and credit cards. But it's not always easy to just boost your credit score overnight. First, you need to consider why your score is low.

It's as much about 'will you make the lender money' as it is about risk Many people write to us incensed after rejection – "I've a perfect credit score, I've never missed a payment, why on earth did they reject me?" This is based on a misunderstanding – lenders are credit scoring to see if you match up to their wish list of what makes a profitable customer. Of course, someone who is a bad risk is likely to be scored out as unprofitable by most companies. But the risk of not repaying isn't the be-all and end-all. Imagine a bank wants new mortgage customers. That's a costly sell. Instead, it offers a current account paying a high rate of interest on a small amount kept in it. Yet when you apply, rather than scoring you as a bank account customer, it could actually be scoring to see if you're likely to be a profitable mortgage borrower in the future – you might face rejection if you aren't. The secretive nature of credit scoring makes this difficult to ever truly know. Here are some other things to look out for: Credit card companies may reject you for always repaying cards in full You might feel like a dream punter, but for credit card companies you're a nightmare. If they spot this trend, you could be rejected. The most profitable customers are those perpetually in debt, never defaulting, but always meeting the minimum repayment. Pay off in full every month, don't use your cards enough, or always shift debt to 0% cards, and if they can spot you (it isn't always that easy), a few may reject you. DON'T use this as an excuse not to pay off your credit card in full, especially if you don't have a 0% card (though you really should). For more info, see our Best Balance Transfer Credit Cards guide. Banks score you based on products they'd like to sell you in the future Imagine a bank wants new mortgage customers. That's a costly sell. Instead, it offers a current account paying a high rate of interest on a small amount kept in it. Yet when you apply, rather than scoring you as a bank account customer, it could actually be scoring to see if you're likely to be a profitable mortgage borrower in the future – you might face rejection if you aren't. The secretive nature of credit scoring makes this difficult to ever truly know.

Bibliography

How to Lower Your Credit Card Utilization | Credit Karma. (1970). Retrieved on October 4, 2021, from https://www.creditkarma.com/advice/i/how-to-lower-your-credit-card-utilization.

Elizabeth Gravier. (1970). 4 Ways to Boost Your Credit Score Fast. Retrieved on October 4, 2021, from https://www.cnbc.com/select/how-to-boost-your-credit-score-fast/.

Martin. (1970). How to improve your credit score. Retrieved on October 4, 2021, from https://www.moneysavingexpert.com/loans/credit-rating-credit-score/.

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