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Simple Ways You Can Improve Your Credit Score

May 31, 2016

credit scoreIf you want to borrow money from the bank but find out that your credit score is not that good, you won’t be able to get an approval unless you are willing to pay this back at a high interest rate but this can change if you are able to improve your credit score. 

Here are ten tips that will help you get started. 

First, stop spending money on things that you don’t really need. These include clothes, shoes, jewelry, CD’s, toys, a trip to the parlor, the spa or salon. You will miss them for awhile but when things get better, you can surely enjoy them again. 

Most of us use the credit card to pay for just about anything and part of cutting on your expenses means putting limits where you can use it. This should only be used to buy food and groceries as there are things that we need daily. 

Reduce the number of long distance calls that you make. If possible, cancel your service provider and get one that gives better rates. The same goes with cell phones since some companies charge lower for air time or allow you to make free calls at certain times of the day. 

Your utility bills come during the end of the month so that is another thing to worry about aside from the card bills. To lessen the amount you have to pay, conserve so you don’t use that much by lowering your thermostat during the winter and raising during the summer as well as turning off the lights when no one is in the room. 

To come up with the money you need to improve your credit score, try working overtime, getting a second job if it is possible and sell stuff that you don’t need. Keeping yourself will really help so you are not tempted to spend your hard earned cash. 

When it comes to your credit card, pay the one that has the highest interest first then work your way down the line. 

Strike a deal with creditors so that they are aware of what is happening because this gesture helps improve your credit score. 

As things pick up, close your unused accounts especially the newer ones. You can also apply for a new credit card preferably those offered by groceries and supermarkets as they offer lower interest rates than those coming from banks.

Also, review your credit report and see if there are any errors. Most of the time, there is one or two there that can be corrected as long as you have the supporting documents. If the investigation shows that there was an error or that the creditor cannot prove their allegations, this is immediately removed from your record and you get a revised copy with these corrections. 

Improving your credit score is something you have to do if you score is below 700. Doing so will allow you to have better rates from banks and other lending institutions when you want to buy a house, a car or undergo a renovation at home. 

Related Article:  How to Stop Junk Mail & Telemarketing

So for those who are in trouble, there is still hope. You just have to make some sacrifices that will eventually pay off in the long term. For those who are in good standing, keep up the good work or make it even higher.

Read our review of the TrustedID Credit Monitoring Service

How to stop junk mail and telemarketing

May 23, 2016

junk mailGoing to the mail­box for some can be a fun expe­ri­ence every day, but for oth­ers it is a com­plete night­mare. Some folks are drown­ing in the amount of junk mail they receive every day, and when you don’t know how to stop that mail from com­ing, life can get to be very frus­trat­ing at times.

Then there’s the addi­tional threats to your iden­tity that you have when you receive a lot of junk mail, the con­stant checks into your credit health that can actu­ally dam­age your credit score, and the loads of paper that you either have to throw away or recycle.

If you are suf­fer­ing from a junk mail avalanche, the good news is that there is hope. Let’s talk about what you can do.What is Junk Mail?

Junk mail is all the adver­tise­ments and preap­proved credit card offers that you get in the mail every day. Some of the luck­ier folks can even get coupons, CDs, and other pro­mo­tional items. It is essen­tially some­thing that is sent to you through the postal ser­vice to entice you to pur­chase a company’s prod­ucts or ser­vices. Even though it might seem harm­less, junk mail is an easy way for iden­tity thieves to get your per­sonal infor­ma­tion, sign up for credit card offers in your name, and if you get this stuff through your e-mail, it is an easy way to get soft­ware installed on your com­puter that can track your accounts, your online habits, and even find your passwords.

How Can I Stop Junk Mail from Coming?

There are plenty of ser­vices that are avail­able to peo­ple today that can help them to elim­i­nate unso­licited adver­tise­ments and offers:You can con­tact those that report your credit. All 3 major credit report­ing agen­cies offer peo­ple the abil­ity to opt out of all credit related offers, includ­ing e-mail and phone offers related to a credit his­tory, for either two years or per­ma­nently. If the per­ma­nent option is cho­sen and it is later decided to rein­state the abil­ity to receive offers, a sim­ple form just needs to be filled out and mailed in. Call (888) 567-8688 to opt out.You can con­tact Exper­ian directly for addi­tional ser­vices. Exper­ian offers a ser­vice that will also allow you to opt out of most non-credit related offers, which elim­i­nates the vast major­ity of junk mail that peo­ple receive. Call (402) 458-5247 to opt out.You can directly con­tact the mar­ket­ing bro­kers that com­pile cus­tomer and con­sumer data and then sell it to busi­nesses who want to mar­ket their prod­ucts to you.

Direct Mar­ket­ing Asso­ci­a­tion, Dun & Brad­street, Metro­mail Cor­po­ra­tion, R.L. Polk & Co., &Data­base Amer­ica all allow you the abil­ity to request removal of your name from their mar­ket­ing list. A request typ­i­cally lasts for five years, but be aware that Direct Mar­ket­ing Asso­ci­a­tion charges $1 per request, and mul­ti­ple requests must be made if your name is on mul­ti­ple lists [i.e. direct mail, tele­mar­ket­ing, preap­proved credit offers].

You can con­tact cor­po­ra­tions on your own. Every cor­po­ra­tion that sends you infor­ma­tion must have an opt out option. Many times you must write to a com­pany or reply to an e-mail to unsub­scribe, but that is all it takes… but keep in mind that if you are receiv­ing 300 pieces of mail from 200 cor­po­ra­tions, that’s 200 unsub­scribe requests to write. If a tele­mar­keter calls you, you just have to request to be placed on the “do not call” list… but if you do busi­ness with their com­pany later, it voids that request after it has been made.Refuse mail you don’t want.

Did you know that you don’t have to accept mail that is sent to you? Sim­ply write “Refused: Return to Sender” on any piece of mail and the postal ser­vice will return it to the sender.Sign up for iden­tity theft pro­tec­tion ser­vices. There are many iden­tity theft pro­tec­tion agen­cies out there today that can help you to not only remove the junk mail that you are receiv­ing, but they will also take other steps to help pro­tect your iden­tity proac­tively and assist you should iden­tity thieves be able to breach your information.

Stop­ping junk mail from com­ing is an impor­tant part of keep­ing your iden­tity safe. Be sure to take these mea­sures today to elim­i­nate the junk mail from your life and in doing so, not only will you help to pro­tect your iden­tity, but you’ll be help­ing the Earth a lit­tle bit too by sav­ing just a lit­tle bit of paper.

Learn more about protecting your identity from fraud & theft at