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How To Improve Your Credit Rating

Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best, or could use an improvement, here are a few ways how you can improve your credit rating.

Make Payments on Time
If you pay your bills late, you’re not only incurring late fees, but you’re also damaging your credit. And if you miss a payment, it’s even worse. Your payment ...

Credit article, Credit help, Credit basics, credit info, credit questions, credit

Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best, or could use an improvement, here are a few ways how you can improve your credit rating.

Make Payments on Time
If you pay your bills late, you’re not only incurring late fees, but you’re also damaging your credit. And if you miss a payment, it’s even worse. Your payment history, even for minor items such as utilities and cable television, is reported to a number of different credit bureaus, so any missed or history of late payments is recorded and weighed against your credit. If you want to build and maintain your credit rating, pay your bills on time and don’t miss any payments. If you have missed payments in the past, get back on track. Your recent payment history counts more than ancient history, so be sure to get back on track… and then stay there.

Pay Off Your Debt
If you have debt, pay it off. Don’t transfer it all to a credit card and then transfer it from card to card to card. If you just move around your debt, you’re not doing anything to pay it down. And even though all your debt might be on your credit card, your credit is still in danger. So, start budgeting to pay off your debt. Pay off that credit card and your other debt payments until nothing remains. If you ignore it, it’s going to haunt you for years to come.

Establish Credit History
Your credit rating is established partially on your credit history. Your credit history is based on the information that your creditors have reported to credit bureaus, including credit cards, loans, and even some utility bills. If you have little to no history, there’s nothing to go off of to establish your rating, so your credit will be established at a lower rate. There are no prior indicators whether or not you’re a delinquent or on-time payer. So, if you want to build your credit, get a credit card, charge a few things, and pay off the majority of the balance. Financial experts recommend keeping your account balances less than 50% of your available credit. It shows that you have the ability to pay back your debt.

Don’t Apply for or Take on Too Many Credit Cards
Having and using a credit card wisely can be beneficial to your credit rating. However, if you’re constantly applying for new credit cards, it can hurt your rating, especially if you’re getting turned down for them. Applying for too many credit cards, in a way, shows that you don’t have enough capital to afford your cost of living on your own income. And if you’re getting turned down by creditors, it’s an indication that your credit standing just isn’t up to par, and other creditors will weigh these rejections against you.

Your credit can make or break you. Your credit rating dictates the interest rate you get on loans and whether or not you qualify for additional credit. If left to grow uncontrollably, your credit can be the death of your ability to purchase a home, a car, or even get basic cable television. If you want to improve your credit score, don’t let it spin out of control. Pay off all debts, continue your credit history, and pay everything on time.


How To Improve Your Credit Record Legally

Don’t be a victim of quick credit repair scams. Do your homework first.

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If you have a history of late payments, unpaid bills, or accounts sent for collection, your credit record will suffer. A bad credit record gives you a low credit score and makes it difficult for you to get needed credit or loans for things you really need.

Your credit history

Most everything you do with credit, both good and bad, is reported to a credit reporting agency. A history of paying late, or not paying at all, is sent to credit reporting agencies. Bankruptcies, judgments and liens also find their way to your credit report and hurt your credit rating.

The good news is that positive information is also sent to credit reporting agencies. To keep track of your credit standing, you should review your credit report at least once each year. You can correct errors and clean up any wrong information that might be on your report. Review your credit report and correct errors.

How to improve your credit rating

Here are some of the best ways to improve your credit rating:

Pay bills on time. Late payments really hurt your credit standing. It is best to pay the entire balance on your credit cards each month. If you can’t, be sure to at least be pay the minimum payment on time. The more you pay each month, the less interest you’ll be charged.

Don’t go over your credit limit. Some credit cards allow you to go over your credit limit. They usually charge you extra in penalties for doing so. In addition to paying penalties, going over the limit hurts your credit score. It tells companies that get your credit report that you aren’t paying attention to the limits of your account. If you don’t exceed your credit limit, you won’t have to pay penalties. This allows you to pay your balance down sooner.

Cancel some of your credit cards. Having lots of credit cards can hurt your credit score. When you apply for new credit, the company checks your credit report. One of the things they look for is how much your combined credit limits are and how much you owe. As you get closer to your credit limits, your credit score goes down. Applying for lots of credit cards lowers your credit score. One bank card and a department store or gasoline credit card is all you really need. Cancel the others.

Deal directly with creditors. Some businesses (creditors) you owe money to may be willing to take negative information they reported off of your credit report if you pay some or all of the money you owe them. Creditors must report payments you make, but they are not required to take negative information off your report unless they agree to do so. You will have to speak with each creditor individually to see what, if anything, they are willing to do.

If a creditor agrees to take information off of your report in exchange for full or part payment, get their promise in writing before you pay. If you pay the balance, even without an agreement, they must update your credit report to reflect a paid-in-full status. If you discharged debts in bankruptcy, those items can still be included in your credit report.

Avoid Scams

Credit repair companies promise to improve your credit. They may also promise to get you a loan or a credit card. They lead you to believe that they have special ways to get negative information off your credit report. They don’t.

Credit repair companies have no special powers to improve your credit. There is nothing they can do for you that you cannot do yourself. Paying them leaves you less money to pay your current bills and past debts.

Because of the problems with credit repair companies, strict laws were passed to regulate their activities. For example, they must provide a written contract that you can cancel within five days. They can’t require payment in advance and all promised services must be completed in 90 days. They must also register with the Department of Justice and file a $100,000 bond with the Secretary of State. Be aware that very few credit repair companies follow the law.


The Double Entry Method Of Book Keeping And How To Know If It's A Debit Or A Credit

I remember getting this really confused in high school. I think it's a concept that takes some pondering and one day the light bulb goes on for those of us who aren't accountants. In this article I share the basics of the double entry book keeping method and various examples of debit and credit. I hope it clears it up for most of you as well.

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Debit and credit are the two most basic concepts in accountancy. Today, almost all countries follow the double entry method of book keeping. Under this method, for every account that is debited by a certain amount, another account must be credited by the same amount. Thus, at any given point, the sum total of all debits must be equal to the sum total of credits.

For any given transaction, the account to be debited and which credited is based on certain principles of accountancy.

Broadly, the rule for debit/credit is as follows:

A) For real (or asset) accounts (e.g. furniture, cash, machinery, land, etc.): Debit is what comes in, credit is what goes out.

b) For nominal (or income / expense) accounts (e.g. salary, purchase, sales, etc.): Debit is all expenses and losses, credit is all income and gains. This would include our bank chequing accounts and is why were all so used to knowing debit and credit under these conditions.

c) For personal (or individual’s) accounts (E.g. Mr. Johnson’s A/C, Forsyth Inc. A/C, etc.): Debit is the receiver, credit the giver.

Thus, for example, if a person buys furniture worth $1000 and pays for it in cash, he would apply rule (a) Debit the furniture account and credit cash a/c.

Let’s take another transaction. A business pays salary to their employee, Mr. Smith, amounting to $1500 by cheque. In this case, following Rule (b), salary a/c shall be debited, and following rule (c), bank a/c will be credited, since in accounting, the banker is treated as a personal account.

At the end of any given period the balances in all the accounts are put in a table format, called the trial balance. The debit balances are put in the debit side of the trial balance and the credit balances on the credit. Since every debit has a corresponding credit, it naturally follows that both sides of the trial balance must be equal. Any discrepancy in the same would point out that an error has taken place somewhere in making an entry.

The layman may get confused with the terms debit and credit as used by his banker. The banker will “credit” you for all deposits of funds in your accounts, i.e., whenever your bank balance increases, and debit you with all withdrawals. But the entries in the bank book for a business are just the opposite. In other words, when you deposit funds in your bank, you debit the bank book and when you make payments or withdrawals, you credit the bankbook. Thus the bank’s passbook or statement will have the same entries as your bankbook, but on the opposite sides.

So next time your accountant tells you that your bank book has been debited by $1000 be happy, for it is a deposit and not a payment!


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